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Heart Disease Life Insurance?

Cardiovascular diseases make life insurance more expensive, but it’s feasible. Cardiovascular disease is the leading cause of mortality in the US, yet many diagnosed patients don’t consider life insurance. If someone relies on your salary and you have heart illness, get life insurance. Higher risk means more coverage. What’s the coverage situation? It’s hard to acquire insurance if you smoke, have diabetes, or are overweight/obese. Hence, it would help if you made lifestyle modifications to show you’re in control and your health has stabilized. All insurers underwrite heart disease cases differently, but all look for trends. Life insurance underwriters will presume you’re not worth the work if you can’t show your health is improving and you’ve addressed their medical concerns. Many people with cardiovascular diseases follow their doctor’s advice and make lifestyle adjustments for a type rating. Getting heart disease coverage is difficult since the application is sold to hundreds of insurance providers. Working with a qualified, independent high-risk life insurance agent is crucial. It will be more important to compare a heart disease applicant to other life insurance providers since the results will vary. Having recent blood test results can speed up underwriting. Local pharmacies will do this for a nominal price without a doctor’s recommendation. Get your latest cardiology test results and a letter detailing your present condition. These elements will speed up the process and give the underwriter more transparency. Underwriter Expectations: Your medical records will be under scrutiny if you have a cardiac issue. Life insurance companies will consider you a higher risk since your chances of a heart attack, or another life-threatening incident is more elevated than someone without cardiovascular disease. It would be best if you have life insurance, period. If your family depends on your income, you owe it to them to check into life insurance possibilities, despite your cardiac condition. Insurance companies care whether your health has stabilized. If your cardiovascular illness has stabilized, you may qualify for low-cost term insurance. One of the essential advantages of life insurance is that you may make lifestyle changes and obtain cheaper insurance once your health improves, to become as healthy as you can today. Life insurance companies will look at your health over the last several years or longer. Insurance companies will check your medical history and may request additional tests/items if required. Always be upfront about life insurance issues, tests, or technical documents. There are no secrets online. When an underwriter discovers missing information on an application, it’s best to be upfront than to backtrack. This will make them anxious and wonder what more they’ve missed.
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Bio:
I advocate for federal employees making the best benefit and retirement decisions for their unique situations. After a 25 year career in personal banking I saw a need for financial education and retirement planning for those approaching retirement. In recent years I have focused primarily on federal employee from both the CSRS & FERS systems. These federal employee face challenges in getting the information they need to make the best decisions for creating a successful retirement plan. I assist these individuals in navigating the retirement process.

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