Someone with a pre-existing condition has a greater urgency to have life insurance than a healthy person, as they have a lower life expectancy. It cannot be said that a pre-existing condition automatically disqualifies someone from the option of having life insurance. There are many ways to achieve this, although it is very likely that premiums will be more expensive and contracts will have less coverage.
Generally, when someone with a pre-existing condition seeks life insurance, they will be required, as a prerequisite, to undergo a medical examination. Regardless of this, it is recommended that they explain in detail to their agent what their condition is, whether it be a cardiovascular disease, high blood pressure, high cholesterol, obesity, cancer, AIDS, or other condition.
The good news is that there are life insurance policies specifically for people with cancer, diabetes, or AIDS.
A very important piece of advice is not to conceal your pre-existing condition, because if your insurance company discovers it, they may cancel your contract and sue you for fraud.
If you are looking for life insurance and have a pre-existing condition, go to Univista Insurance, where specialists will help you choose the best coverage among the different insurers in the market.
Call us today for a complete qualification! (305) 728-6352. You can also get a free quote here.
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