It shouldn’t come as a surprise that people with a history of heart disease would have a more difficult time getting approved for life insurance than those who are healthy. But the key word here is difficult, not impossible.
If you’ve had a heart attack, knowing what to expect when you apply for Final Expense Life Insurance will greatly increase your chances of getting good affordable coverage.
What Insurers will want to Know
The key is being open and honest when dealing insurance companies. Don’t withhold information from them, as they might require a medical exam. in which everything will come out. You should be prepared to answer the following questions:
- When were you diagnosed?
- Do you have any underlying issues that caused the heart attack?
- How often do you visit your doctor?
- What treatments were recommended to you?
- What treatments have you had? (Including surgery and medications)
- Has your condition improved since your first diagnosis?
What about Multiple Events?
If you have a more serious form of heart disease and/or have had multiple heart attacks, it’s still possible for you to get approved for coverage. You just have to be aware of what your options are. You may not end up with the amount of coverage that you want, but some companies do offer standard or regular Final Expense insurance policies for people with this kind of health history. If traditional level benefit coverage is not available, a high-risk life insurance policy with a graded death benefit may be necessary.
What are my Chances of getting Coverage?
Individuals who suffer from heart problems have a higher chance of getting an insurance policy at a more affordable rate by shopping around. Companies do look at whether you also have other high-risk health conditions, such as diabetes or high blood pressure, or whether or not you are a disabled person, who is currently receiving disability payments. Not all companies are willing to extend a policy to heart patients; however, there are many that will. Heart patients may find it easier to obtain an affordable policy rate after waiting a significant amount of time after developing the condition.
Comparison shopping can help an individual find the best rates that may be available to them. The first step in the application process is to determine how much coverage is needed and for how long. Keep in mind that the premium is based upon health factors as well as the desired coverage options and will increase accordingly. If insurance providers consider you to be a high-risk individual they will charge more in premiums.
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