If you have any type of adverse health condition, you know that it can be difficult at best to get approved for life insurance coverage. And, if you’ve ever been declined, then it may seem like you have nowhere else to turn in order to obtain the financial protection that you need for your loved ones should the unexpected occur.
The good news is that you can still obtain the life insurance policy that you need – even if you have a health condition such as angina – you just need to know where to look, as well as how to prepare for the many questions that will be asked by the life insurance underwriters.
What the Life Insurance Underwriters Will Want to Know About Your Health Condition
When seeking life insurance approval with angina, there are a number of things that the underwriters will want to know about your condition. This is in addition to the basic information you will be asked about on the application for life insurance coverage.
Some of the more condition specific questions that you will be asked regarding your angina may include the following:
- Within the past 6 months, have you experienced any type of chest pain, and if so, how often? If you have experienced any chest pain within the past 6 months, the life insurance underwriters may require you to undergo a more extensive health exam before they can make a determination regarding your policy coverage or rating.
- What, if any, medication do you currently take for your condition? If you take medication for your condition, it can either be considered as a positive or a negative – depending on what it is, as well as how long you have been taking it. This is because certain types of medications can tend to cause harmful side effects to other organs in the body. Regular types of “maintenance” medications, however, can actually be a positive factor, and can oftentimes lead to obtaining a Mild Substandard rating on a policy for an applicant who has angina.
- Do you regularly have scheduled check-ups with your cardiologist? Having regularly scheduled check-ups with your cardiologist will usually be viewed as a positive in the eyes of the life insurance underwriters. This is because it shows that you are taking an active role in managing and monitoring your condition. It also means that your cardiologist is monitoring your condition on a regular basis as well.
- Within the past 6 months, have you had any relevant lab testing performed? If, over the past 6 months, you have had any relevant lab testing performed such as an ECG test, that will also be viewed as a positive sign. In addition, the underwriters may be able to review these tests in order to get a more clear picture of your angina condition.
- Do you possess any additional risk factors? The underwriters will also want to know if you possess any other possible risk factors for chest pain. Some of these may include smoking, high blood pressure, diabetes, and high cholesterol. Others can also include having a sedentary lifestyle and a family history of heart disease.
In addition to these condition related questions, the underwriters will also review your other information, such as your age, gender, height and weight, occupation and income, marital status, and potentially dangerous hobbies.
Likewise, as a part of the overall underwriting process, you will be required to take a medical examination. This will include the submission of a blood and urine sample. These samples will be examined for any other specific health conditions that could cause risk to the insurance company in terms of potentially having to pay out a claim in the near future.
Once all of the information has been gathered, the underwriters can then make a much more informed decision regarding your application for coverage. In most cases, your policy will be placed into one of the Substandard rating categories. This means that your premium will be higher than those who are in the Standard rating class. However, you will be able to obtain the protection that you need.
Some ways that you may be able to help keep your policy rating out of the Severe Substandard category is to keep your condition under control. By following the strict guidelines of your doctor, including any advice for exercise, you may be able to move into a better health and policy class.
For those who still obtain a policy decline, there are other potential avenues for obtaining life insurance. One option is to consider a guaranteed issue or a no medical exam life insurance policy. In many cases, these policies will only require answering just a few simple questions on the life insurance application for coverage, and as the name implies, there is no medical exam required for policy approval.
Getting Life Insurance Approval with Angina
In getting life insurance approval with angina, it is typically a good idea to obtain policy information and quotes from more than one life insurance company – and in doing so, we are able to help. We work with many of today’s top rated life insurance carriers in the marketplace.
Within a matter of mere seconds, we can provide you with information on life insurance policies, as well with premium quotes, from a number of life insurers – right from your home computer. In order to get this convenient process started, you can just use the form on this page.
At InsureNow365.com we understand that you may have many additional questions regarding how to get life insurance approval with angina. You may also want more information about how to compare life insurance premium quotes, or even just about life insurance in general.
If so, our experts are here to help. Feel free to contact us, toll-free, at 888-229-7522. We want to ensure that you are able to obtain the kind of life insurance protection that you and your loved ones need in order to receive the peace of mind that you deserve.