Even though many Americans feel that they should be able to put off getting in touch with a life insurance company. To talk about life insurance until they’re older. It is possible that when that time comes, you might not be able to get life insurance due to pre-existing conditions.
While there are many things that you can do to help to improve your health. Such as dieting, using natural supplements, and exercising the way that you should for your body and mind. If you have a pre-existing condition when you go to a life insurance company to ask about life insurance, you may be turned down. In this article, you’ll find a few tips for how to find life insurance, even with a pre-existing condition.
What are Pre-Existing Conditions?
Before you can find a life insurance company that will give you life insurance with a pre-existing condition. You need to know what that means and what those conditions are. In general terms, pre-existing conditions are illnesses or diseases that stop you from being insurable by some insurance companies. Because you had them before you came to them for life insurance. Some pre-existing conditions that could stop you from getting life insurance include your BMI. Which means that you’re obese, heart disease, cancer, high blood pressure, that you’ve had a stroke or any manner of other health condition.
Some of these conditions can’t be reversed. However, it is possible to reduce your BMI. By getting a medical exam, going on a diet, and increasing your physical activity to reduce your body mass index. So, that you’re no longer obese and able to be insured. Insurance companies will give you life insurance with a high BMI and obesity. However, you have to know where to find them. Overweight life insurance comes with higher premiums, of course, but it can be found. Also, you can and should still try to lower your BMI and get more physical activity for your own health and well-being.
Check With Your Doctor:
Though it’s recommended that you purchase life insurance in your 20s and 30s, even then, if you have a pre-existing medical condition, it’s likely you’ll be turned down. One way to see about getting life insurance is by talking to your primary health care provider. It’s important to keep the lines of communication open with your doctor. So, that he can have your medical records ready to hand to the life insurance company if they ask for them. Many times your health care provider might be able to give you a medical exam. And determine how to lower your BMI enough that you can get the life insurance policy you need.
Consider Going Through an Independent Agent:
When you’re searching for an insurance policy with a pre-existing condition. Often you’ll have more luck finding that policy if you go through an independent agent. An independent agent will use what they know to help you find the right life insurance policy for you. Looking for life insurance options yourself can make the process much more difficult than it needs to be. Instead, talk to an agent and see what he can do for you. While it’s hard to hear that you can’t get life insurance because you’re overweight or have high blood pressure, you should take heart. There are options out there; you have to know where to find them.
These are a few of the ways that you might be able to find a life insurance policy even though you have a pre-existing condition. Remember, take heart, do your research, and everything will be fine
