Try out these tips for getting coverage even if you have a pre-existing condition.
If you suffer from heart disease, diabetes, cancer, kidney, liver disease, or other health issues, then you might be concerned about your life insurance options. While it’s not impossible to get life insurance if you have a pre-existing condition, you should expect the process may be slower and more complicated. Here are some tips we recommend to make the process a little easier:
1) Work with an Independent Agent
Working with an independent agent is extremely helpful when you’re looking for life insurance. An independent agent can present you with policies and rates from several different carriers and can act as your liaison between yourself and the carrier. A trustworthy agent will work hard to find you premiums based on your medical history and will understand how to present your case to different carriers.
2) Be Honest About Your Condition
When working with your agent, it’s important to be candid about your medical history and pre-existing conditions. Your agent is there to help you, and they cannot complete their job without accurate information. Do your best to answer each of your agent’s questions honestly and in detail. It’s great to be prepared with a list of your medications, doses, and information from previous lab results. Anything pertaining to your medical condition would be helpful to have handy when you are speaking with your agent so he/she can best identify the best insurance options for you.
3) Take the Medical Exam
The best life insurance rates go to those who complete the medical exam. That’s why people with pre-existing conditions should do their best to complete the exam. This provides the best chance of getting an affordable policy that provides enough benefit to meet their needs. If the medical exam doesn’t go in your favor, you can always turn back to a no-exam policy as a backup plan. While these plans cost more, they are better than no coverage at all.
These are just a few suggestions to help you get life insurance with a pre-existing condition. If you would like to find an independent agent who will always keep your needs in mind, then trust the professionals at Randy Jones Insurance Services in Pleasanton, California. Our dedicated team is ready to assist you with all your life insurance needs. Contact us to get covered today!