Life Insurance with major medical condition
It is possible to buy life insurance with major medical condition. If the condition is severe you should expect to pay more than someone without a major medical problem. As a result, the rates will be higher but you are still eligible. Term and permanent life policies are available on a guaranteed issue basis.
To find out about what life insurance for those critical illness covers, how it works and why it might be right for you,contact our office at 203-796-5403. We work with many life insurance plans that will cover a number of major medical conditions. This can include but not be limited to heart disease, Diabetes, breast cancer, obesity and a number of other conditions. Ideally, if the condition is not severe you may be able to apply for an underwritten life policy. Policies that require a medical exam will be the lowest cost insurance if you can get approved. For those with a major health condition and other conditions, it may not be possible. Those with server or multiple conditions should look at simplified or guaranteed issue plans.
Life Insurance with major medical condition: Simplified issue plans
Simplified issue plans do not require a health exam. The applicant fills out an application with health questions. The answers are verified by the insurance company checking a drug record or pulling the MIB. If the conditions are not server a plan will be issued.
Guaranteed issue life insurance:
Guaranteed issue life insurance can be term or permanent insurance. Guaranteed issue means anyone can get the policy regardless of current health status. To quote the lowest cost guaranteed issue term and permanent policy use the link provided below. This link will take you to our MEC99 site which can be used to get an instant quote.
Note: It can be very difficult to get guaranteed life insurance under the age of 40. Our guaranteed issue policy is available to those age 18 and up.