You shouldn’t have a heart attack when you see your life insurance quote!
March 22nd, 2007
Coronary artery disease (CAD), heart attacks, angioplasty and bypass surgery are generally enough to make the average life insurance agent run for the hills. As they close the door or hang up the phone they will probably be sputtering something about uninsurable. Time to seek out an experienced and knowledgable independent life insurance agent for those quotes. Get someone who understands that heart attacks don’t always kill people and don’t generally make people uninsurable.
Some life insurance companies really do believe that heart issues are the end of the world and therein lies the logic of the independent agent. A good independent agent will have four or five companies that are good with just about any impairment that pops up, whether heart related, build related (height and weight challenged), diabetes or cancer related. Not all companies are good with everything, but generally speaking there are usually a few “go to” companies for most health problems.
What the underwriters want to see is a clear picture of the history of the problem. For heart related issues that would mean a copy of a stress test. For cancer, a pathology report , and for diabetes a blood workup. Then they want to know what was done about it and how it is being currently treated and monitored. Underwriters are definitely up for giving a break to someone who is doing all the right things.
What they don’t want to see is someone who is ignoring sound medical advice, such as continuing to smoke after a cardiac event, only taking medication when you feel like you need it rather than as prescibed, and skipping regularly scheduled followup.
In a nutshell, take your health problem seriously and the insurance companies will bend in your favor.
Related Posts- Women And Heart Disease! Keep Tabs On It!
- Someone ought to slap these insurance agents upside the head!!
- Do You Have To Be Breathing To Get Life Insurance?
- Just How Perfect Do You Have To Be To Get Those Life Insurance Rates?
- The Silent Killer Isn’t Just A Grown Up Problem!
Entry Filed under: Build, Independent agent, cancer, coronary artery disease (CAD), heart attack, insurance, insurance quotes, life insurance
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