Simplified issue life insurance is a life insurance policy where you can be approved for with minimal health questions. You will also get to bypass a medical exam where bloodwork is required. This type of life insurance is typically geared towards older people or people who have health issues, ...
Though you can live a long life with an HIV diagnosis, insurance companies are generally cautious about the long-term health of people with HIV, since it’s a virus that attacks the body’s immune system. People living with HIV can be at greater risk for other health conditions, including...
Working-age Americans with multiple sclerosis (MS) may face considerable financial insecurities when they become unable to work and lack the health, disability, and life insurance typically offered through employers. In order to estimate the rates of having these insurance policies, as well as how ...
Term life insurance is a better option for most people, in part because whole life insurance comes with a significantly higher price tag. However, this type of coverage may be appropriate in certain circumstances — for example, if you have a child with lifelong special needs, or if you’re...
If you struggle with a mental health condition along with heart issues, this could also increase your life insurance rates. Talk to your doctor about lowering your risk for heart disease, and tell your agent if you’ve taken any of these steps to lower your risk. Your Overall Health Can ...
With increased physical health, you may be able to qualify for life insurance without a medical exam. Treat your mental health A history of mental health conditions can be an ongoing battle. You’ll need to be upfront about your mental health concerns. Any diagnosis will likely affect your ...
Term life remains a popular choice for people because of its affordability, but it comes with a risk. Your beneficiary receives nothing if your policy ends before you die. Comparing Term Life Insurance Rates While many factors affect your term life prices, three of the most important are your...
» MORE: Average life insurance rates Life insurance options for people with pre-existing conditions Don’t assume you’ll be turned down for life insurance just because of a chronic health condition. Insurers may quote a higher premium, but coverage is still accessible. Here are a few compan...
Many applicants and applicants with health issues believe they could never qualify for a policy that requires medical underwriting, but that often isn’t the case. It depends on the health condition and the issuer. People can get life insurance with underwriting even if they have congestive heart...
After being approved for an insurance policy, if your health improves later and you’ve made positive lifestyle changes, you can ask to be considered for a change inrisk class.Even if it is found that you’re in poorer health than at the initialunderwriting, your premiums will not go up...