You can still protect your family. People with elevated blood pressure, diabetes or other chronic health conditions can often find a life insurance provider who will provide coverage. Even cancer survivors, especially those who have had five years since successful treatment, can purchase life insurance.
An employer who offers group life insurance: Many employers provide free or low-cost life insurance to their employees.
Membership in an association: Many alumni and professional associations give their members access to affordable group life insurance that does not require a medical exam.
A life insurance agent who offers the power of choice: Some life insurance agents, such as Independent Insurance associates, represent many product providers and can help people with chronic health conditions find a suitable policy.
When not participating in group health insurance, people with serious health conditions usually pay higher life insurance premiums than their healthier counterparts. Depending on the policy, as they start to manage their condition and become healthier (for example, get their blood pressure under control), they can get their policy re-rated so that they can pay lower premiums.
Life insurance can be complicated, especially when you have health challenges. No matter your situation, a licensed insurance agent can help you protect your family. Contact one today.