When petitioning for life insurance, a lot of the time it can be harder to receive approval for coverage if you have a health condition.
It’s even more likely if your condition can have a consequence 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 this in the past, there is something good to know here. We at InsureNow365 will assist you in finding the insurance coverage that you are wanting – even after a pulmonary embolism. Where we help is we can show you exactly where to look.
What the Life Insurance Underwriters Will Want to Know About Your Condition
When making an application for this insurance after a pulmonary embolism, the underwriters are going to want to know some specific info regarding your health condition – in addition to the basic information that is required on the request for coverage. Some more in-depth questions that you may be asked about your condition could consist of the following:
- When is the date of your first diagnosis? It is important for the insurance underwriters to recognize when you were originally diagnosed with your condition. This is because this information will be better able to tell them whether or not your condition is under control.
- In the past 12 months, have you encountered any signs or symptoms having to do with your pulmonary embolism? The underwriters will also need to identify if you have felt 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 undergone any situation related symptoms, you may need to wait and re-apply for life insurance coverage at a later date.
- What, if any, medicines are you using 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 insurance underwriters will be asking about any 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 aspire to know info surrounding 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 probably be needed to take a medical test as a part of the whole underwriting process. A big part of this will include the submission of a blood / urine sample that will be reviewed for other specific health conditions that could be of hazard to the life protection firm.
After all of your information and tests have been completed and returned to the insurance business, the underwriters will have more ample knowledge in order to make an informed judgment regarding your coverage, as well as the fitting premium to require from you.
How to Obtain Life Insurance After a Pulmonary Embolism
In order for you to receive life insurance after a pulmonary embolism, it will be important to take some additional steps. When doing this, we can assist. By working with some of the top ranked insurance carriers around the country today, we know the organizations who are going to have more of a chance of to work with individuals who are considered to be high risk. In knowing this, we can steer you in the proper way 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 everything with this started, just complete the information on this page.
If you have any issues at all, please know that you can communicate with us directly. Our specialists are happy to serve you in any way so that they can prepare for you the solutions and the knowledge that you need. You can reach us instantly at 888-229-7522. We are always ready to help.