A dazzling, white, and luminous smile is the theoretical cosmetic depiction of good oral health. However, there are many consequential and critical arguments that support the importance of maintaining the teeth and gums in optimum condition for health reasons. Although health insurance quotes do not require information regarding the condition of the prospective insured's oral health, research has confirmed that the condition of the teeth and the presence of periodontal disease can negatively impact overall health. Additionally, these conditions can increase the health and mortality risk that indirectly affects the health insurance quote. It has been substantiated that poor dental health and gum disease can cause heart disease and stroke, osteoporosis, inconsistencies in pregnancy, respiratory illnesses, diabetes, and there is an unfavorable relationship between poor oral health and Alzheimer's disease.

There are published studies that establish the relationship between oral health and the various human body systems. First, the inability to chew impedes digestion and creates a nutritional deficit as the variety of fruit, vegetables, grains, and proteins necessary for good health cannot be masticated properly to provide nutrition. Furthermore, improperly chewed food is difficult to digest and negatively impacts elimination.

A study in Finland validated the relationship between poor oral health and a higher risk of total mortality due to coronary artery disease. The resulting infection occurs in the tooth socket where the infection is introduced into the blood stream. Evidence suggests that the infection primarily targets the arterial system and causes inflammation of the coronary arteries. The incidents of heart attack and stroke are increased by two or three times. Furthermore, oral bacteria plays a consequential role in increasing the tendency to form blood clots that can lead to debilitating strokes that can affect the health insurance quotes as a risk factor.

Poor dental health in pregnancy can result in underweight infants and premature births. Apparently, the bacteria and underlying infection from bad teeth produces a higher level of a chemical similar to the drug used to induce labor and the elevation of certain hormones that cause premature labor. It is recommended to see to any existing oral health issues prior to becoming pregnant.

There is a link between dental infection, periodontal disease, and diabetes. People suffering from the disease have more difficulty combating infection and experience additional difficulty regulating blood sugar and insulin levels.

Additionally, dental abscesses can lead to an infection that can cause a brain abscess that is very difficult to diagnose and effectively treat. These negative implications increase health insurance quotes because claims precisely affect the insurer's loss ratio.