by Guest » Thu Dec 13, 2012 08:31 pm
Hi,
Looking for advice on term life insurance.
I’m a 47 year old male. Diagnosed with HBP in 2006. Hospitalized in 2006 for two days, complete medical workup (MRI Head, cat scan heart, stress test, kidney scan). HBP has been controlled/normal with three meds (Atenolol, Lisinospril, HCZ) since 2006. All annual checkups have been fine since with yearly EKGs.
I’m wondering how much of a hit I’m going to take for $400,000 worth of term life insurance. other info - 5’9” 188 lbs, non smoker, no other risk factors.
Any advice would be completely appreciated. Rates, Suggested life insurance providers etc. . Thanks. - DG
Looking for advice on term life insurance.
I’m a 47 year old male. Diagnosed with HBP in 2006. Hospitalized in 2006 for two days, complete medical workup (MRI Head, cat scan heart, stress test, kidney scan). HBP has been controlled/normal with three meds (Atenolol, Lisinospril, HCZ) since 2006. All annual checkups have been fine since with yearly EKGs.
I’m wondering how much of a hit I’m going to take for $400,000 worth of term life insurance. other info - 5’9” 188 lbs, non smoker, no other risk factors.
Any advice would be completely appreciated. Rates, Suggested life insurance providers etc. . Thanks. - DG
Posted: Tue Dec 18, 2012 12:14 am Post Subject:
Find a local independent insurance agent to work with on this. They will know the answers to your questions after doing a more thorough needs analysis and obtaining better information about your health status which should not be discussed in an open forum such as this. There are hundreds of insurance companies that could meet your need for coverage.
Posted: Fri Dec 21, 2012 01:34 pm Post Subject:
Yes, discussing your health status in an open-to-all public forum is not rational. Pre-existing conditions are covered, and a local agent would be able to guide you better.
Posted: Fri Dec 21, 2012 05:36 pm Post Subject:
Pre-existing conditions are covered
You cannot really make this statement. While there are no "preexisting condition" exclusions in most life insurance contracts, a person's health status may affect their underwriting and result in a substandard rating or a decline for insurance.
Once accepted for life insurance, however, unless a particular manner of death is excluded in the contract (such as death while piloting an aircraft, or suicide within the first 1-2 years), dead is dead, and the cause is immaterial.
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