Life Insurance for People with Pre-Existing Conditions

Life Insurance for People With Pre-Existing Conditions

Pre-existing conditions can make it difficult for anyone to get life insurance, but it is not impossible. 

Life insurance companies take a look at your overall health to determine where you land on their death-risk spectrum. Those with perfect health easily get approved because their risk of death is low, while those with health issues may find it difficult because of their increased risk of death. Pre-existing conditions can definitely put some hurdles on your path to life insurance, but with these tips, you may be able to jump over the obstacles and get the life insurance policy you need to financially protect your family.

  1. Be Truthful and Upfront About Your Condition
    Insurance agents are on your side and can only act on the information you provide. Answer everything you can in full detail – things like your diagnosis date, treatments, and tests can really help the agent. Bring everything to the table when it comes to talking about your condition.
  2. Do Your Research
    There’s already some initial research everyone must do regarding life insurance, but if you have a pre-existing condition, your research may have to be extensive. Before you talk to your agent, make sure that you have all the proper documentation they will ask about. Having as much information as possible can remove much of the guesswork for the insurance agent and get you the policy you deserve.
  3. Work with an Independent Insurance Agent
    Independent insurance agents know that going above and beyond for a client will benefit them and their business in the big-picture. This big-picture mentality benefits you because they will do everything in their power to get you a policy that meets all of your needs.

Remember that proper life insurance will protect you from most covered disasters. Contact Lloyd S. Berkett Insurance Agency worldwide for all of your insurance inquiries and needs.

11150 W. Olympic Blvd.
Suite 1100
Los Angeles, CA 90064

(310) 857-5757
(800) BERKETT | 237-5388
Fax: (310) 857-5750

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The Lloyd S. Berkett Insurance Agency, Inc. was founded in 1946 by Lloyd S. Berkett. Regarded as one of Southern California’s most successful, well-respected and innovative independent insurance agencies, ... Read More

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