August 1, 2019 // All Resources
You may have asked yourself: Can I still get life insurance if I have a pre-existing medical condition? The answer may be yes. Just because you have a certain medical condition, you’re not automatically excluded from obtaining coverage. In fact, you’re not alone.
More than 102 million Americans have a pre-existing medical condition.1 That’s one-third of the entire U.S. population. These conditions run the gamut, from a simple inconvenience, like acid reflux, to more serious conditions, like cancer, and everything else in between. But don’t let a pre-existing medical condition, whatever it may be, stop you from applying for coverage to help protect your family’s financial future.
One of our agents will meet with you to discuss a policy that could fit your particular needs. You can even get a quote right now– just know, the application process may include a health screening to help us better understand your particular situation.
A health screening will better serve you. That’s because it provides us with the full picture of your situation, which allows us to tailor a policy to fit your needs. Our Traditional Term Life option, which provides $100,000 – $5,000,000+ in coverage, requires you to answer health-related questions, and in some instances, you may be asked to get a health screening.
If you have a pre-existing condition like high blood pressure, high cholesterol, asthma, diabetes or obesity, you may still be able to take some measures to improve your health. Staying active could help lower your life insurance rate. During your health screening, the doctor will be made aware of the treatment and steps you’re taking to help alleviate these ailments. Having a transparent relationship with your life insurance provider about your health and the steps you’re taking to improve your condition, can ultimately help you secure a rate that’s right for you.
A simple modification to some of your lifestyle habits, like smoking, alcohol consumption and diet, could also help you save money on your life insurance.
Whatever condition you may have, don’t let it prevent you from living your best life and getting the best coverage possible.
Premiums are guaranteed. They are level for the term period and increase annually thereafter. Premiums above are examples only and may vary based on your personal health history and underwriting guidelines. The answers provided to the health questions are used to determine eligibility for coverage. Not all applicants will qualify. Product and its features may not be available in all states. Coverage ends at age 95. This is a summary of insurance provisions and does not contain all of the benefits and exclusions. For complete terms of the insurance coverage, please contact your insurance professional or refer to the policy. Traditional Term Policy Form Series: Icc11-1201/TL-1201 (In OR: ICC11-1201).
You’ve taken an important step by deciding to go through the life insurance application process. Here’s what you need to know.
The most common types of life insurance are term and permanent. Find out the differences and what type best fits your needs.
How a health screening could be your key to a lower rate.