Q&A: What term life insurance options are available for people with heart issues?
What term life insurance options are available for people with heart issues?
For instance, on meds for high blood pressure, beta blockers, etc.
Best answer:
Answer by aaron p
There are potentially a lot of good options. You should work with an independent agent or broker who is used to dealing with difficult underwriting cases to help you find the best offers - like me or LifeInsuranceAgent. If he doesn’t check in on this question, you can also find him through my contacts.
It depends more on what condition you are treating, how long it’s been, your current age and how well the treatment is working. Expect a knowledgeable agent to ask some detailed questions.
Know better? Leave your own answer in the comments!
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You need to be honest with the conditions, and go see a local agent who can hook you up with “higher risk” life insurance.
These folks both have good answers; other big factors in your rating (or ability to get coverage) is the length of treatment, how effective the treatment is and what is the cause of the heart issues (extra weight, hereditary, past medical issues).
Find a local independent agent in your area that specializes in life insurance. Have him shop you with several companies. Expect to pay standard + rates; but whatever you do, don’t put it off.
You do have several possible options for life insurance coverage.
One is to compare plans and rates from several top-rated insurers online that offer quotes for people with a medical condition. You fill out one form and get up to 12 quotes from leading insurers with no obligation to buy. You can visit https://www.efinancial.com/smartquoteefc.aspx?source=389-707-1 to get your free quotes.
If you like your quote, you can apply online but you may need to take a medical exam to qualify for coverage.
Or, there is guaranteed issue life insurance with no medical exam required that offers guaranteed approval for people age 45-75. However, this is whole life insurance and the coverage available is only up to $ 20,000. And, the coverage is modified, meaning you will not have full coverage until 1-2 years after you have purchased the policy.
Then there is term life insurance with no medical exam required. You can apply online and find out within minutes if you qualify for coverage. You just answer a few simple health questions. You can learn more and request your free quote at http://www.term-life-online.com/life-insurance-no-medical-exams.html
I hope that helps! Best of luck to you.