Life Insurance: Pre-Existing Conditons

Life Insurance: Pre-Existing Conditons

Many people with serious pre-existing conditions are under the impression that they cannot get life insurance, and that’s just not true.

There are many policies that people, especially older people with health issues, can qualify for.

Life insurance policies are approved and denied based on health questions. Some require a complete health history, paramedical exam, or a long list of questions about your health conditions .These policies are fully underwritten.

There are some policies that are guaranteed issue, meaning that no health questions are asked at all.

There are many many life insurance policies that are in between fully underwritten and guaranteed issue. The policies are going to ask you some limited health questions but still accept people with many serious pre-existing conditions. All the policies differ, and some will accept people with certain conditions while others don’t.

Regardless of your health, there will be a life insurance policy out there for you.

Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at CardinalGuide.com.