You may think a lot of health conditions can disqualify you from purchasing life insurance. While this may be true for some severe issues, for other health conditions it is a myth. With advancements in modern medicine and technology, certain health conditions are treatable and insurable. Here are three health conditions that may not affect your ability to qualify for life insurance.
Hypertension, or high blood pressure, is thought to be a health condition that disqualifies you for life insurance. While hypertension is a risk factor for heart disease, it would not necessarily disqualify you from purchasing life insurance. In fact, if hypertension is well controlled, you may even qualify for preferred rates.
Hyperlipidemia, or high cholesterol, is another common health condition that may not have an impact on qualifying for life insurance as you might expect. Much like hypertension, if you have hyperlipidemia, you may be able to attain preferred rates if controlled.
Heart Disease or Diabetes
If heart disease or diabetes is part of your health history, you may think you’re automatically disqualified. However, because of advancements in medicine, the opposite can be true. Depending on your age, your medical history, and your level of treatment, you may be insurable. Non-smokers who regularly follow-up with their physicians/cardiologists and have excellent control of their disease regularly receive offers for life insurance!
This is a small list of health conditions that, even if present, may still allow you to qualify for life insurance. Don’t give up, contact your financial professional to discuss your options.
The contemporary life insurance market is way more extensive than a source of income for beneficiaries when catastrophe strikes. With a plethora of options, these plans offer you and your entire family peace of mind, and often give your money investment opportunity to allow you to enjoy the money invested during your lifetime.
Choosing the perfect life insurance plan depends as much on your financial needs as it does on your health class rating. We will assess all factors and guide you through every option until we find the perfect plan for you.
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