The short answer to this question is, yes. If you have a pre-existing condition, you can almost always get life insurance.
When you are looking for life insurance, you will undergo an application process that will determine your eligibility for life insurance. That process will determine what life insurance product you are eligible for, and what you need to do in order to get it.
At Dalessandro Agency Inc., we want Grand Rapids, MI residents to feel secure about their life insurance choices. We can help you get the life insurance you need, even if you have a pre-existing condition.
How to Get Life Insurance
When you apply for life insurance, the life insurance company will collect the following information:
• Current health
• Health history
• Family history
• Lifestyle factors (i.e. smoking/non-smoking)
From there, your provider will determine what kind of life insurance you qualify for, and how much it will cost.
It is important, to be honest when you are looking for life insurance. In the end, what your answers are may not preclude you from life insurance, unless they are not accurate.
When You Have a Pre-Existing Condition
In your life insurance application, you will tell your provider what your health history is, and what your pre-existing condition might be. They will then use that information with their policy underwriters to determine what life insurance you qualify for. You won’t always be automatically disqualified.
From there, you will probably undergo the medical, which happens in most life insurance applications. That involves a nurse coming to your home, taking blood, urine, and vitals, and delivering that to the insurance company.
If there is any impact to your life insurance policy from your pre-existing condition, it is likely going to be your premium costs. Pre-existing conditions will likely impact your premiums, but you will probably still be able to get it.
Get a Quote
When you have a pre-existing condition and want life insurance in Grand Rapids, MI, call Dalessandro Agency Inc. for a quote. We’ll work hard to get you covered, even with a pre-existing condition.