Dedication to helping consumers make smart insurance decisions

Can I still obtain life insurance after a heart attack?

No comments
Can I still obtain life insurance after a heart attack? -

There should not be a surprise that people with a history of disease such as heart disease would have a harder time approved for life insurance than those in good health. But the key word here is difficult, not impossible.

If you have had a heart attack, knowing what to expect when you apply for term life insurance will greatly increase your chances of getting good coverage.

What Do insurance providers need to know?
The key is to be open and honest in dealing with insurance companies. Do not withhold information from them, as they will likely need a medical examination anyway, in which everything will come out. You must be prepared to answer the following questions :?

  1. When were you diagnosed
  2. Do you have underlying problems that caused the heart attack
  3. How often do you visit your doctor?
  4. What treatments have been recommended to you?
  5. What treatments have you had? (Including surgery and drugs)
  6. has your condition improved since the first diagnosis?

What If I Have Had Multiple Attacks heart?
If you have a more severe form of heart disease and / or have had several heart attacks, it is always possible for you to get approved for coverage. You just have to be aware of what your options are. You can not end the amount of coverage you want, but some companies do offer standard or regular term (in some cases, standards) life insurance policies for people with this type of history the health. If the traditional coverage is not available, a life insurance policy or high risk of a term of classified services may be needed.

What kind of price can I expect?
where each person will be different, so it is impossible to say exactly what prices will be offered. However, to get an idea of ​​what you can expect, look at an example.

Kyle is a 43 year old man who had two minor heart attacks in his life, but not in recent years. It is also a non-smoking, which puts him in a better light with insurance companies, and his most recent medical tests showed that his condition has improved.

Because of this, it will be able to get a life insurance policy, but because he had several heart attacks, he can not be offered regular rates or lower rates to standards instead, more regular or preferred.

rate to a policy of $ 150,000 with a term of 20 years, Kyle will probably be offered between $ 35 and $ 70 per month. On the other hand, if Kyle decides to implement a policy of only $ 100,000 for a period of 15 years, rates, it is proposed will probably decrease from $ 10 to $ 30.

As you can see, it is possible for people to obtain life insurance coverage after a heart attack. The key is knowing what to expect before you apply.

No comments :

Post a Comment