What if You Have Health Issues?
Most people think that life insurance is out of reach or unaffordable if they have health issues. Believe it or not, you can actually get ‘Preferred Best’ rates if you have certain moderate medical issues. Your final rating will obviously depend on the severity of your medical issue.
When we work with clients who have health issues, we take a comprehensive look at their particular health situation. Once we have gathered all of the information about their particular situation, we shop their case to multiple insurance companies and field several or more tentative offers. This allows us to give our clients an idea of what their up against before even filling out an application.
Certain medical impairments will have a greater impact on your health ratings than others. Here are some of the more common medical impairments and the potential impact they could have on your health rating. It should be noted that that your final health rating will depend on the particulars of your situation. It is best to consult with an agent who can gather information about your case and show you multiple offers.
Health Issue and Potential Impact on Health Rating
| Minimal to No Impact | Moderate to High Impact | High Impact to Decline |
|---|---|---|
| High blood pressure | Diabetes – Type II | COPD |
| High Cholesterol | Coronary Disease | Invasive Cancers |
| Controlled Anxiety Disorder | Sleep Apnea | History of Drug or Alcohol Treatment |
| Slightly Overweight | Rheumatoid Arthritis | Uncontrolled Diabetes Type I or II |
| Certain Skin Cancers | Mild Stroke or TIA | Heart Bypass/Stent |
| Certain Thyroid Issues | Colitis | Recent DUI/License Suspension |
| Mild Asthma | Crohns Disease | Multiple Sclerosis |
How Can We Help? No matter what your health issue might be, you can be assured that we will work hard to get you the best rate possible. We know which insurance companies view particular health issues more favorably than others. If you have a medical issue and are interested in life insurance coverage, get a quote here and tell us about your situation. We would be happy to give you a free no obligation consultation and show you your options.
Please Contact Us With Any Questions
Error: Contact form not found.