Life insurance in California becomes difficult to obtain when you have a pre-existing condition, but it’s not impossible.
Life insurance companies measure your risk of death when determining your life insurance application. Your risk of death becomes much greater when you had or have a pre-existing condition. This means that life insurance companies tread more carefully when dealing with these individuals. Your higher risk of death, as someone with a pre-existing condition, makes getting life insurance difficult. But know that it’s not impossible! Here are some things you should know to put yourself in the best position for acquiring life insurance in California.
Life Insurance in California for Pre-Existing Conditions
Cardiovascular disease.
If you have been diagnosed with cardiovascular disease, it could spell trouble for your life insurance chances. One way to get yourself in the best position is by visiting your doctor regularly and doing everything you can to keep your heart healthy, like eating a healthy diet daily.
Diabetes.
Type 1: Your age at which you were diagnosed and any further complications that occurred will come into play.
Type 2: An issue can arise here–from the perspective of an insurance company–if the disease is being treated with insulin, rather than with a healthy diet.
Cancer.
Cancer is a complicated disease, and that’s why it’s important that your insurance company knows as much about the disease as possible and how it has affected your life.
- What kind of cancer did you, or do you, have?
- Are you still being treated for it, or has it been completed?
- If you’ve finished treatment, how long has it been since your last session?
While a pre-existing condition can definitely make it harder to acquire life insurance, you now know that it is not impossible if you follow these suggestions. To learn more about life insurance and what it can do for you, contact Donald Weiss Insurance Services. Our dedicated team will help you determine your coverage needs, helping you pick the right policy with the right term for your goals. Don’t be left with questions when buying this essential coverage; call us today!
