How do you know if you qualify for life insurance, especially, Whole Life Insurance?
As long as you are 80 years old or younger, you are eligible for a Guaranteed Life Insurance Policy of some sort. You will be covered by a Life Insurance Policy, regardless of which city you live in. However, if you have a health condition, then the policy for that can be a bit more costly than the regular life insurance policies.
Let me give you a few examples. If you are in a wheelchair and require breathing oxygen throughout the day, have a serious kidney, heart, liver, or lung disease, or are diagnosed with stage 4 cancer and have only two or so years to live— in all such situations, you should go for a Guaranteed Life Insurance Program.
Make sure to talk to an insurance agent you trust implicitly. They will have access to a variety of life insurance programs that they can guide you with. They will most likely get you the best pricing possible, especially the policies that typically go up to $25,000.
If you are looking for a policy that has coverage of about a $100,000 or $200,000, and you happen to suffer from a serious medical issue, then that is a tough one. There are a lot of programs for those who do not have one of these medical issues yet they might have something else going on. In such cases, you might even qualify for a Term Policy.
Typically, if you have health concerns, you should be looking at a Whole Life Policy. There are a lot of options available in that arena. Your trusted agent can guide you and help you choose the right one for your condition.
If you are looking for more information on affordable Life Insurance please don’t hesitate to contact us.
Use the links below or call us directly at (928) 323-0933.