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  • Chronic diseases highlight the importance of life insurance
  • December 10, 2013
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    Individuals who are diagnosed with a non-communicable disease will often face difficulty while applying for life insurance. Most of the time they will either be denied or forced to pay a very high premium.

    Non-communicable diseases, also known as chronic disease, are not passed from person-to-person. The following conditions are considered chronic diseases:

    – Diabetes

    – High cholesterol

    – Obesity

    – Smokers

    – Allergies

    – Glaucoma

    – Arthritis

    In order to insure consumers with chronic diseases, life insurance companies will price their products at a higher rate to help cover future medical expenses or an early mortality risk. However, there are life insurance policies created to help protect these individuals without being charged an arm and leg.

    Individuals could opt for a guaranteed issue life insurance policy, which requires no medical examination and no health questionnaire. In fact, the only people who are generally turned down are those already in the hospital or nursing home. Guaranteed life insurance policies only require a short list of health questions, such as whether or not they smoke, their height and how much they weigh. They don’t require any blood or urine samples. These policies are ideal for individuals with chronic diseases.

    Unfortunately, since the insurance company cannot determine the risk they are taking on by insuring these individuals, they will often be charged a higher premium.  Sometimes, guaranteed insurance won’t pay out death benefits if you die during the first couple of years that the policy is in effect. But it is an easy and fast way to obtain coverage to help protect one’s family.


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