Can I Get Life Insurance With Pre Existing Conditions?

Sep 8, 2022 | Life Insurance | 0 comments

life insurance with pre existing condition

Did you know that over half of all Americans have life insurance? It’s the best way of making sure your family is financially covered in the event of your death. Many people without life insurance have misconceptions about what it is.

For example, some people assume that life insurance is expensive or that they won’t be able to get life insurance with a pre-existing condition. Both are wrong. Take a look at everything you need to know about how to get life insurance with pre-existing conditions.

What is a Pre-existing Condition?

A pre-existing condition is any health problem that could affect the longevity of your life. Every insurer will qualify each health condition differently so it’s worth talking to several insurers to get quotes. Some examples of pre-existing conditions are high blood pressure, cancer, asthma, and diabetes.

Injuries could be classed as pre-existing conditions based on their severity. Smokers may have more difficulty in finding life insurance that isn’t expensive but making the decision to quit could lower your payments. The types of life insurance you’re offered will very much depend on your health.

Getting Life Insurance With a Pre-existing Condition

If you have a pre-existing condition, it doesn’t mean you won’t be able to find life insurance. In fact, most life insurance companies cover mild conditions and as long you’re being treated, you’re likely to find a policy that suits you. If you’re unable to find life insurance because you have cancer or a terminally ill diagnosis, it’s often better to look for guaranteed issue life insurance where a medical evaluation isn’t necessary.

If you want to plan for the future, you may be thinking about your funeral. It’s worth asking about burial insurance as you set up your life insurance.

What is Burial Insurance?

Burial insurance is a way of covering the costs of your funeral so it’s not a burden to your family. It is included in a life insurance policy so your family receives a life insurance payout and a funeral payout. This is usually a good option for end-of-life patients.

Regardless of how you want your life to be celebrated, there are funds put aside to cover the costs. Burial insurance doesn’t require any medical exams or physicals and you’ll still be accepted if you have pre-existing health conditions. It’s not a replacement for life insurance but it can put your mind at rest knowing your funeral costs will be covered.

Life Insurance With a Pre-Existing Condition

If you can’t find life insurance with a pre-existing condition, burial insurance at USA Life Insurance Services could be a great alternative. Knowing that the cost of your end-of-life wishes are covered will give you the freedom to enjoy the time you have left with your loved ones without worrying about it. You can get the process started today by filling in our simple online form.




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