Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Contractors Insurance CONTRACTORS

Learn about different health coverage options that fit your specific needs.

Read More
Recreational Insurance RECREATIONAL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More

Heart Chart

There is nothing more alarming than learning you have a potentially life-threatening disease. Heart disease is one of the most common of these diseases. The U.S. Centers for Disease Control reports that 610,000 people in the U.S. die every year from heart disease. That accounts for about 25 percent of all deaths.

Many people don't think about life insurance until they face a situation such as a heart disease diagnosis. At times like these, they want to obtain help to support their family. They want to be sure their medical expenses and other costs are not a burden to their family. Yet, obtaining life insurance with a heart disease diagnosis (or any health issue) might be a bit of a challenge.

Heart Disease Isn't a Simple No

Because heart disease is prevalent in the U.S., life insurance companies realize there is a demand for coverage. However, most insurance agencies view heart disease as a chronic health condition. As is the case with obesity, diabetes, or high cholesterol, heart disease tends to shorten the lifespan of those afflicted with it.

Shorter lifespans represent a cost risk to life insurers. As a result, they may charge someone with heart disease more for life insurance than someone without it. Nevertheless, you can still qualify for coverage, even with this condition.

Although heart disease can increase your life insurance rates, insurers do recognize that medical advances make it easier to manage this condition. With proper care and a change in lifestyle, it may be possible to reduce the effects of the disease. Many insurers will work with you to do that. However, your level of disease severity plays a significant role in this.

What You Can Expect

Life insurance companies will ask health questions. They may require a medical screening, or request blood work. These tests provide the insurer information about your health. And this can help the insurer can provide an accurate quote for coverage.

It's also important to realize that not all insurers will offer the same coverage. Some may offer lower rates, even for those with heart disease. This is why it's important to work with an independent life insurance agent, such as Affordable Insurance Group, when you're shopping for coverage. Your agent can present policy options from multiple insurers, customized to meet your needs and budget.

If you have heart disease, work to obtain life insurance. Work to get your condition under control when possible. This may help you qualify for lower rates down the road.

We can help with any questions you might have. Contact us today to get started.

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Facebook
Twitter
LinkedIn
Yelp
Progressive
The Hartford
The Main Street
Travelers
Zurich
ASI
Safeco
© Copyright 2017. All rights reserved.
Powered by Insurance Website Builder