Before Applying for a Life Insurance Policy

Life insurance application questions about current and past medical history 

Furthermore, your health is one of the most critical factors for many insurers. It will largely depend on your past and current health status and if your illness is progressing or not. In case you are hypertensive or have high cholesterol, it is still possible to acquire one for as long as it is under control, and your doctor can attest to it. Also, people with diabetes Type 2 can still get coverage if they can prove that their condition is manageable and monitored by a specialist. 

Another is a heart condition. It may be challenging to acquire life insurance. A past or recent heart attack can cause a denial of your application. Hence, it is the same for people who had cancer and in the remission stage, but skin cancer is an exception. However, some insurers can give chances to people who had cancer 5 to 10 years ago, but they need medical documents to prove that they are well and in good health condition. 

Final expense policy, as well as graded benefit coverage, is the most common choice for people who are high risk. Unfortunately, these policies offer a high monthly premium, but it may vary according to the seriousness of a person’s health condition.