Qualifying for life insurance can be a difficult task for those who have chronic health issues. For some who have been declined for coverage, it may seem like there is nowhere to turn for life insurance, yet you know how important having this protection can be.
If you have been turned down for life insurance because you have chronic bronchitis, we have good news. There are ways that you may still be able to qualify for coverage – and we can help. We work with a number of the top life insurance carriers in the country – and we know which of these insurers are more apt to work with higher risk applicants.
By knowing where to apply, as well as what information will be needed before you submit your paperwork, you will be much better prepared – giving you a higher chance for policy approval, and the insurance protection that you and your loved ones need.
What the Life Insurance Underwriters Will Want To Know About You
For those with chronic bronchitis, the underwriters for life insurance will want to know more in depth information regarding your condition. Some of the questions that you are likely to be asked before your coverage can be approved include the following:
- When were you initially diagnosed with chronic bronchitis? It is important that the underwriters know when you were first diagnosed with your condition. This is because, even though chronic bronchitis is not considered to be a life threatening condition, it can – and oftentimes will – become worse over time unless it is properly managed. With an early diagnosis and treatment, however, it is possible that you could obtain a Mild Substandard rating on your life insurance policy.
- Over the past 6 months, have you experienced any symptoms related to your chronic bronchitis? Within the past 6 months, if you have experienced any of the more common symptoms of chronic bronchitis such as a fever, cough, or fatigue, then it is not a positive sign to the life insurance underwriters. In this case, it is more likely that you could receive a policy rating of Severe Substandard, as well as a much higher amount of premium quote.
- What, if any, medications are you taking for your condition? It may be necessary for you to take medication in order to help in controlling your condition. This is especially the case if you have need for a bronchodilator or expectorants. If this is the case, you need to comply with your doctor’s orders and take the medication as prescribed. Otherwise, you will not likely be controlling your condition in the correct manner, and you could obtain a policy rating of a Medium or even a Severe Substandard, depending on your overall condition.
- Do you have regularly scheduled check-ups with your pulmonologist? Having regularly scheduled check-ups with your pulmonologist is viewed as a positive to the insurance underwriters, as this shows that you are making an attempt to control your condition. By doing so, you may be able to obtain a Mild Substandard rating on your policy.
- Within the last 12 months, have you had any type of relevant diagnostic lab testing performed due to your chronic bronchitis? If, over the past 12 months, you have had any relevant lab tests performed, this too shows that you are trying to monitor and control your condition. Such tests may include blood exams and chest radiology. The results of such tests may also be ordered by the life insurance underwriters in order to get a more in depth view of your overall condition.
- What, if any, lifestyle changes have you made in order to help in controlling your chronic bronchitis? Helping to control your condition can also be done by implementing various lifestyle changes such as reducing stress, exercising, and changing your diet. Doing any or all of these things will be viewed as a positive move in the eyes of the insurance underwriters.
While the information regarding your chronic bronchitis is important, the life insurance underwriters will also review the information that you submitted on the application for life insurance coverage. This will include data regarding your age, gender, height and weight, occupation and income, marital status, and hobbies.
In addition, you will be required to take a medical exam – including the submission of a blood and urine sample. These samples will be analyzed for certain other health conditions that may be considered a high risk to the life insurer – and in turn, a high risk for claim.
How to Help in Getting Approved for Life Insurance with Chronic Bronchitis
For those who have chronic bronchitis, getting life insurance may not always be easy, but by working with us, we can make the process much faster and more convenient. With our vast experience in get life insurance for people with chronic illnesses, we can help you to compare the best policy benefits and premium prices so that you end up with the very best coverage for your specific needs. In order to get the process started fill out the form on this page.
Should you have any questions at all, please feel free to contact us directly. Our experts are available to help in answering any concerns that you may have about applying for coverage or obtaining quotes. Contact us, toll-free, by calling 888-229-7522. We want to make sure that you get the best coverage to protect the ones you love – for both now and the in future.