No Medical Exam Life Insurance for People With a Heart Condition
People with heard disorders have an increased mortality risk. This high risk makes them unsuitable for any standard policy. It may look like a lost war, but it is not. The number of companies willing to accept people with heart condition as clients is small, but at least it is not zero.
No medical exam life insurance is the only type of insurance for people with a heart condition. It is crucial to comprehend the features and limits of this policy and how you can find an advantageous policy.
No exam life insurance fulfills the long desire of having coverage. Having a heart condition almost nullifies the chances of getting standard coverage. The only type of insurance that remains valid is the one without medical exams. Typically, the acceptance is almost automatic and the companies will not ask many questions.
They are not that interested if you have a heart disorder or a kidney disorder, as long as you can pay the premiums. However, this policy has some limits and persons declared terminally ill are not accepted. As we said, companies are not interested to know more about your disease, but they will have some questionnaires prepared for you.
You will be asked if you have a terminal disease or any of the diseases mentioned by them. That is all. Be honest. If you lie to them and death is caused by a terminal condition within 24 months or due to one of the blacklisted diseases, your beneficiaries will not be able to make any insurance claim.
If you want to get this type of insurance, you will need the help of a specialized life insurance broker. This person will assess all valuable information and will provide further guidance. Moreover, he can give you free quotes.
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