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doctor drawing heartChronic health conditions are those that last longer than 12 months and require ongoing treatment. Examples of chronic health conditions include diabetes, heart disease and cancer.

If you’ve developed a chronic health condition, providing for your family in case you pass away is a top priority. The best way provide for your family after your death is with life insurance. Life insurance can relieve the financial burden on your family. It can help pay off your mortgage, car or other debt.

However, a fear of being declined may prevent you from taking action. But, there is still hope.

If you have a chronic health condition, restrictions may apply. But, it is possible to qualify for life insurance with a chronic illness.

What Are Your Life Insurance Options With a Chronic Condition?

Many life insurance companies will not offer traditional policies to someone with a chronic condition. But, you may be eligible to receive life insurance that doesn’t require a medical exam.

You don’t have to get a medical exam for permanent life insurance. As long as you make your premium payments as scheduled, you will continue to have the coverage.

As a whole life insurance policy, this insurance policy builds cash value as well. You can use your cash value balance for emergencies or cover your premiums once you have access to your balance.

Even though this coverage generally costs more than other options, it gives you the life insurance coverage you need.

How Can You Purchase Life Insurance with No Medical Exam?

You can buy life insurance that doesn’t require a medical exam the same way you get regular life insurance.

Contact your life insurance agent and get a quotes. The cost of this specialty life insurance is more than other types of life insurance. So, it’s important to consider multiple options.

Don’t forget to ask your life insurance agent about any exclusions and restrictions. For instance, an insurance carrier may impose a waiting period, which can affect your decision to buy the policy.

If you are like many people who face a chronic illness, you can still get life insurance. Without the requirement for a medical exam, you can often get coverage as soon as possible.

If you have questions about life insurance, call Allen Harmon Insurance at (269) 441-5156. We’re here to help you find the best option that fits your needs.
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