How Do I Know If I Will Qualify for Life Insurance?

This is Chad McMahan, Chief Executive Officer at Protect with Insurance, and I’m here in beautiful Sedona, Arizona. I have a great question from Brenda in Prescott, Arizona. Brenda’s question is this: How do I know if I qualify for any kind of life insurance, especially, whole life insurance?

To answer your question, Brenda; 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 ones that typically go up to about twenty five thousand US dollars in coverage.

But, if you are looking for a policy that has coverage of about a hundred or two hundred thousand US dollars, and you happen to suffer from a serious medical issue, then that is a tough one. That being said, there are also a lot of programs for those who do not have one of these medical issues and 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, and your trusted agent can guide you and help you choose the right one for your condition.

So, I hope that helps answer your question. Good luck to you, stay safe out there and take care!

If you are located in the Cottonwood, Sedona, Flagstaff or Prescott area and 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.


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Protect With Insurance

989 S Main St Ste A-293

Cottonwood, AZ 86326

Chad McMahan

Chad McMahan

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