How to Secure Life Insurance that covers Pre-Existing Conditions

These pre-existing health conditions can make it harder to secure life insurance.

You may think that because you’ve had cancer or you currently suffer from diabetes or high blood pressure that obtaining life insurance is out of the question. Although it is true that some pre-existing health conditions can make it harder to secure life insurance, it’s not impossible. Fear not, you don’t need a clean bill of health to protect your family and finances in the event of your passing.

Life insurance is designed to protect your money and loved ones when you are no longer around to do so. Stepping in to help pay for your funeral expenses, remaining debt, and more, your family won’t have to worry about money. Still, there’s no getting around the fact that it is easier to obtain life insurance coverage without any pre-existing conditions than it is for those with conditions.

Here is a handful of conditions that mean that you’ll have to be more diligent about securing insurance:

  • Cancer
  • Cardiovascular disease
  • Chronic obstructive pulmonary disease (COPD)
  • Diabetes
  • Heart attack
  • High blood pressure
  • High cholesterol
  • HIV and AIDS
  • Stroke

The best way to ensure that you’ll get the best possible life insurance at the best possible price, even if you have more than one pre-existing condition, is to employ the expertise of an impaired-risk specialist. These agents are well-versed as to which insurance companies tend to be more lenient or accepting when it comes to covering people with health and medical problems.

Though you may get a lot of rejection notices, it helps to shop around for the right insurance to suit your needs. From critical illness insurance to term life insurance to universal life insurance, the professionals at National Life Insurance Solutions can help. Visit us or call our office in to get started today!