Getting Insured With a Chronic Condition
In the past, those with chronic conditions were typically excluded from purchasing a life insurance policy. However, today’s guidelines are more lenient in specific conditions. The first consideration is the type of condition you suffer. Policies, underwriting and medical technology are constantly changing. Because of the advances in medical technology and advanced treatments, people with certain conditions are now surviving longer, and this translates to some survivors qualifying for a high-risk life insurance policy. Contact the Box Insurance Agency for additional information on life insurance in Grapevine.
Furthermore, a condition that disqualifies you from life insurance now, may not disqualify you long term. You may qualify in five years, for example.
An example of potentially qualifying for life insurance in Grapevine policy is the person who experiences a heart attack. You are likely to be excluded for a specific period of time, but if you don’t have an additional one in five years, for example, you may qualify. Medical technology can now better determine a pending myocardial infarction, and with routine medical care with a cardiologist, those with coronary artery disease, for example, can potentially avoid future heart attacks. Proper care and visits to your cardiologist is essential, and when you follow the recommended treatment and diagnostic plan, you are more likely to survive long term.
Those who have survived cancer are an additional group that may qualify for high-risk life insurance. Those who survive, whose cancer is in remission and receive routine screening may qualify. With cancer, the stage at the time of diagnosis is essential in both your survivability and insurability. Someone with stage IV cancer of an aggressive type is unlikely to qualify for life insurance. However, a person diagnosed at an early stage of specific cancers may only need to wait for a specific amount of time before they can potentially qualify for life insurance in Grapevine.
Being diagnosed with diabetes, heart disease, high blood pressure, or high cholesterol, doesn’t necessarily disqualified you from purchasing life insurance. You may be able to qualify for life insurance in the future, thanks to evolving medical knowledge, and advances in technology.
Taking Care of Yourself Counts
While a chronic condition may result in higher premiums, it will depend on what kind of condition you have. Furthermore, it also involves the amount of time since the initial diagnosis and how well controlled your condition is. There are numerous factors involved in qualifying for high-risk life insurance, and some people may even qualify for standard insurance rates after a specified time.
When the medical records prove you’re taking care of yourself, following the medical treatment plan, and that the condition is under control, the chances of purchasing life insurance in Grapevine are greatly increased.
Adhere to the Treatment Plan
Thanks to advancements in the treatment of specific conditions, life expectancies are significantly longer. Adherence to the treatment plan helps to ensure the condition is under control, and it shows insurance companies in Grapevine that you are taking care of yourself. This includes attending all medical appointments and screenings. The documentation of medical records is essential in proving a condition is under control.
For example, a person with heart disease who exercises, eats healthy, and doesn’t smoke will be far more likely to receive life insurance in Grapevine after the specified amount of time, than someone who doesn’t follow the treatment plan.
Managing chronic conditions often include taking preventative actions to minimize your likelihood of developing other related medical conditions. For example, if you’re a diabetic who experienced a heart attack, stop smoking. Smoking is related to numerous other diseases, including factors that result in inflammatory conditions, such as arthritis and organ damage.
Talk to an Insurance Agent
Preventative care is the ideal solution, ensuring you never develop preventable disease by following your doctor’s advice. Talking to an insurance agent before a chronic condition can strike is the best means of ensuring the ability to purchase life insurance in Grapevine with a lower rate. Contact a Box Insurance Agency agent today for additional information about high-risk life insurance. Box Insurance Agency serves Fort Worth, Dallas, Grapevine, and the surrounding areas.