When applying for life insurance, it can oftentimes be more difficult to obtain approval for coverage if you have a health condition. This is especially the case if your condition can have an effect on your life expectancy. This is because life insurance companies are concerned about taking on applicants that could lead to costly – and unprofitable – claims.
Yet, even if you’ve been turned down for coverage in the past, there is good news. We can help you to find the life insurance coverage that you need – even after a pulmonary embolism. You just need to know where to look.
What the Life Insurance Underwriters Will Want to Know About Your Condition
When applying for life insurance after a pulmonary embolism, the underwriters will want to know some specific information regarding your condition – in addition to the basic information that is required on the application for coverage. Some of the more in-depth questions that you may be asked about your condition could include the following:
- When was your initial diagnosis? It is important for the insurance underwriters to know when you were initially diagnosed with your condition. This is because this information will be better able to tell them whether or not your condition is under control.
- Over the past 12 months, have you experienced any symptoms having to do with your pulmonary embolism? The underwriters will also want to know if you have experienced any symptoms having to do with your condition within the past 12 months. Some of the more common symptoms typically include inflammation – primarily on the legs. These can indicate the signs of a flare attack. If you have experienced any condition related symptoms, you may need to wait and re-apply for life insurance coverage at a later date.
- What, if any, medications are you taking for your pulmonary embolism condition? The medications that you are taking, if any, can also tell the underwriters a lot. For example, the need for certain types of medication may indicate that you have an active case of blood clotting and / or emboli. This, too, may require you to wait and re-apply for coverage until it is more under control.
- Do you have a history of other medical conditions that could increase the severity of your pulmonary embolism? Certain other health conditions can – and often do – increase the severity of pulmonary embolism. Some of these may include myocardial infarction, cerebrovascular accident, varicose veins, and deep vein thrombosis.
- Do you currently smoke? If you are a current regular smoker, it could increase the severity of your condition as well. This is because those who smoke will typically have a higher risk of getting blood clots and emboli due to the fact that nicotine can harden one’s blood vessels. If you currently smoke, you may wish to cease this habit in order to increase the probability of your life insurance coverage being accepted – or accepted at a better rating and / or a lower premium amount.
- Are there any other health conditions that the life insurance underwriters need to be aware of? The life insurance underwriters will need to know of other health related conditions that you have as well. For example, issues such as heart disease, diabetes, and hypertension can intensify blood clotting and emboli – as well as create a much higher probability of these issues recurring.
In addition to the in-depth questions regarding your pulmonary embolism, the life insurance underwriters will also want to know about your health and lifestyle in general. For instance, they will also be reviewing factors such as your gender, age, height, weight, occupation, and hobbies.
You will also likely be required to take a medical examination as a part of the overall underwriting process. A big part of this will include the submission of a blood and urine sample that will be reviewed for other specific health conditions that could be of risk to the life insurance company.
After all of your information and tests have been completed and returned to the insurance company, the underwriters will be able to make a more informed decision regarding your coverage, as well as the appropriate premium to charge.
How to Obtain Life Insurance After a Pulmonary Embolism
In order to obtain life insurance after a pulmonary embolism, it will be important to take some additional steps. When doing so, we can help. We work with many of the top rated life insurance companies in the marketplace today, and we know which companies are more likely to work with applicants who are considered to be high risk. In knowing this, we can point you in the right direction so you don’t have to take the time to figure it out on your own. This alone can save you much time and energy throughout your life insurance buying process.
We can also help you in comparing life insurance policy benefits, as well as premium quotes from the top life insurance carriers – and it can all be done from the convenience of your computer – without having to meet with an agent. To get the process started, just complete the form on this page.
If you have any questions at all, please feel free to contact us directly. Our experts are happy to help in any way that they can to get you the answers and the information that you need. You can contact us now at 888-229-7522. We’re here to help.