Sleep Apnea is Not A Terrible Risk For Getting Life Indurance
It would be a good idea to shop around if you have a health condition that makes getting life insurance a challenge. Insurers have all developed their own underwriting guidelines, and some are able to offer better rates for applicants with certain medical conditions.
Guaranteed life insurance is another option if you’re looking for coverage with no health questions asked and no physicals required. But the amount of coverage offered is usually quite limited, the premium will be very high, and if you die within the first year or two, your loved ones will likely receive only the premiums you’ve paid and any interest earned.
Consumers should get life insurance when they’re young and in good health.
Patience and flexibility also are virtues if you have heart disease or another heart ailment. Someone who recently suffered a heart attack might have to wait for approval because insurers don’t know if they’ll take care of themselves or not.
However, if you’ve had a heart attack – or other serious health problems – you’ll have a much greater chance of getting insurance down the road if you quit smoking, lose weight and start exercising, you’ll have a far greater chance of getting insurance down the road.
(Source: Insurance.Com )
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