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Life Insurance for Pre Existing Conditions

Written by Life Insurance Dad, Tue, Oct 13 2009

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Unfortunately, many applicants often discover it is exceedingly difficult to find life insurance for pre-existing conditions. This lack of applicant approval makes perfect sense from the insurance company’s perspective, as granting life insurance to applicants with pre-existing conditions offers an immediate high risk to the company, but this obvious practicality offers little solace to the person seeking coverage.

Fortunately, though it may be difficult to find life insurance for pre-existing conditions, it is entirely possible with just a little work. If you follow the proper steps and do a bit of thorough research before you apply, you should be able to find life insurance for pre-existing conditions and provide the emotional security you and your family both need and deserve.

Follow these few steps to find life insurance for pre-existing conditions

  1. Gather your documents with diligence
    2. Before you begin the process of trying to find life insurance for pre-existing conditions, you must compile a folder filled with any relative documents articulating your conditions. Hide nothing, as it is imperative you make a full disclosure, including the names of any diseases or disorders you have been previously been diagnosed with, alongside all medications or treatments you are currently taking. In addition to the medications themselves, you will want to list the specific doctor prescribed dosages. Finally, you will need to include a running list of every medical professional you have been treated by over the last seven to ten years. This information will likely take time to gather, so make sure to allow yourself ample time to sift through all your records. Remember, though you can find life insurance for pre-existing conditions, it will not necessarily be easy.

  2. Summarize your current health situation
    3. You will need a fully documented summary of your health, running up until the time you are ready to apply for your new life insurance. Make sure to accentuate all the positive aspects of your current health. If you do not drink or smoke, include this information. It is both highly relevant and beneficial to your case. If you exercise on a regular basis, make sure to include that information as well.

  3. Secure an experienced agent
    4. One of the most certain methods to find life insurance for pre-existing conditions is to use an agent who has prior experience dealing with impaired risk cases such as yours. There is no getting around the fact – you will present a higher risk to the insurance company. Since this is impossible to hide, it is best to locate a professional, capable of personally presenting your case to the agency, while also casting it in the best possible light. Fortunately, some experienced agents who use Clarifinancial may be looking to help people just like you.

If you are trying to find life insurance for pre existing conditions, don’t give up and don’t despair. Get busy instead. Follow the three steps, and find the life insurance you and your family deserve.