For those with a history of health problems or pre-existing conditions, it can be more difficult to get life insurance. In some cases you may have to shop around more for coverage, or pay more in premiums for a given level of coverage. But in most cases it's quite possible even for those with some health challenges to find quality life insurance at a surprisingly affordable price. Don't count yourself out without speaking to an agent first.
Common Medical Conditions Different life insurance companies underwrite specific medical conditions in different ways. For example, consider the following common medical conditions:
What You Can Do Now If you have a pre-existing medical condition of any kind, it helps to work with an experienced life insurance agent who understands the underwriting practices at different companies, and who can route your application to the carrier most likely to give you a fair price. In some cases, a well-written letter to the underwriter from an experienced agent can make a great deal of difference. Meanwhile, do the best you can to get your condition under control. Watch your weight and blood pressure, and remain physically active. Underwriters often take account of recent trends, and if your medical records are showing steady improvement over a period of time, you may get a better rating.
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Rod Hanks
Rod has owned The Hanks Group, a Leading Nationwide Insurance agency since 1999. We help families and business owners protect their most valuable assets with a broad range of insurance products. We believe that finding the right auto, home, life and commercial insurance for our clients Starting out with 1 employee in a small office in East Dallas, The Hanks Group has grown to be one of the largest Nationwide Insurance Agencies in the Dallas Fort Worth Metroplex, with offices in Dallas and Fort Worth. Rod is always available to answer any questions about insurance or business at 214-275-8372 Archives
October 2018
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