• Home
  • Our Programs
    • Builders Risk
    • Churches and Schools
    • Eateries
    • E-Commerce
    • Film Production
    • Gas Stations
    • Healthcare
    • Landlord Insurance
    • PetCare
    • Surety Bonds
    • Wholesale & Distribution
    • Workers Compensation
  • Get a Quote
    • Business Insurance Quote Request
    • Landlord Insurance Quote
    • Film Insurance Quote
    • Life Insurance Quote Request
  • Medicare
    • Shop Medicare Plans
    • Medicare 101: Answers to Your Vital Questions
    • Discover the Ultimate Guide to Navigating Medicare
    • Uniting Benefits: Dual Eligibility Explained
    • Tips for Applying for Medicare and Medicaid
    • Explaining the Benefits of Dual Eligibility
    • Medicare Financial Assistance Options
    • What is Silver Sneakers
    • Success Story from Someone with a Similar Income
    • Medicare Request Form
  • Life
    • American Eagle Legacy Guard Program
    • AgentEdge PRO Real Estate Retirement Plans
    • Life Insurance Secrets Revealed
    • Applying for Life Insurance While Sick
    • Getting Life Insurance When You're Sick
    • Top 10 FAQs About Life Insurance
    • Life Insurance Request Form
  • Existing Clients
    • Client Services
    • Make a Payment
    • About Us
  • Retirement
  • Contact Us
American Eagle Insurance Agency, Atlanta GA

678-263-0082

  • Get a Quote
    • Business Insurance Quote Request
    • Landlord Insurance Quote
    • Film Insurance Quote
    • Life Insurance Quote Request
  • Our Programs
    • Builders Risk
    • Churches and Schools
    • Eateries
    • E-Commerce
    • Film Production
    • Gas Stations
    • Healthcare
    • Landlord Insurance
    • PetCare
    • Surety Bonds
    • Wholesale & Distribution
    • Workers Compensation
  • Medicare
    • Shop Medicare Plans
    • Medicare 101: Answers to Your Vital Questions
    • Discover the Ultimate Guide to Navigating Medicare
    • Uniting Benefits: Dual Eligibility Explained
    • Tips for Applying for Medicare and Medicaid
    • Explaining the Benefits of Dual Eligibility
    • Medicare Financial Assistance Options
    • What is Silver Sneakers
    • Success Story from Someone with a Similar Income
    • Medicare Request Form
  • Life
    • American Eagle Legacy Guard Program
    • AgentEdge PRO Real Estate Retirement Plans
    • Life Insurance Secrets Revealed
    • Applying for Life Insurance While Sick
    • Getting Life Insurance When You're Sick
    • Top 10 FAQs About Life Insurance
    • Life Insurance Request Form
  • Retirement
  • Contact Us
  • Home
  • Our Programs
    • Builders Risk
    • Churches and Schools
    • Eateries
    • E-Commerce
    • Film Production
    • Gas Stations
    • Healthcare
    • Landlord Insurance
    • PetCare
    • Surety Bonds
    • Wholesale & Distribution
    • Workers Compensation
  • Get a Quote
    • Business Insurance Quote Request
    • Landlord Insurance Quote
    • Film Insurance Quote
    • Life Insurance Quote Request
  • Medicare
    • Shop Medicare Plans
    • Medicare 101: Answers to Your Vital Questions
    • Discover the Ultimate Guide to Navigating Medicare
    • Uniting Benefits: Dual Eligibility Explained
    • Tips for Applying for Medicare and Medicaid
    • Explaining the Benefits of Dual Eligibility
    • Medicare Financial Assistance Options
    • What is Silver Sneakers
    • Success Story from Someone with a Similar Income
    • Medicare Request Form
  • Life
    • American Eagle Legacy Guard Program
    • AgentEdge PRO Real Estate Retirement Plans
    • Life Insurance Secrets Revealed
    • Applying for Life Insurance While Sick
    • Getting Life Insurance When You're Sick
    • Top 10 FAQs About Life Insurance
    • Life Insurance Request Form
  • Existing Clients
    • Client Services
    • Make a Payment
    • About Us
  • Retirement
  • Contact Us
14907827201214-yw9vgr6i-0.jpg

Securing Life Insurance with Pre-Existing Conditions: Your Comprehensive Guide to Getting Covered

GET A LIFE QUOTE

Life insurance is a crucial financial safeguard that offers peace of mind by providing financial security for your loved ones in the event of your passing. However, obtaining life insurance can be challenging if you have pre-existing health conditions or if you're currently unwell. The good news is that there are avenues available for securing life insurance even in such circumstances. Here's your comprehensive guide on how to navigate this process:

 

Understanding Your Options With Guaranteed Issue Life Insurance:

This type of policy is available to almost anyone without requiring a medical exam or health-related questions. While it offers coverage, keep in mind that it might have limitations such as lower coverage amounts and higher premiums.

 

Some insurance companies will also offer Guaranteed Issue policies with a waiting period before full coverage begins or graded benefits where coverage increases over time for high-risk individuals.

 

Simplified Issue Life Insurance:

This policy requires answering a few health-related questions but skips the medical exam. Coverage amounts might be more substantial than guaranteed issue policies, but premiums could still be relatively higher for individuals with health issues.

 

Specialized Insurers:

Some insurance companies specialize in providing coverage to individuals with specific health conditions. These insurers might be more willing to underwrite policies for people with certain illnesses such as people living with Diabetes or HIV.

 

Group Life Insurance:

Check if your employer or any association you're part of offers group life insurance. These policies often don't require a medical exam or have less stringent health checks.

 

Strategies for Securing Coverage with an Independent Insurance Agency like American Eagle:

Agencies like American Eagle Insurance Agency offers insurance through multiple insurerance carriers which can assist in finding policies that are more tailored to your needs and health circumstances.

 

Important Considerations; Transparency is Key:

Being honest about your health condition is crucial to avoid issues with claim payouts later on. Besides, the insurance carrier is going to check your digital medical records and will find out if you have any pre-existing conditions.  If you lie on an insurance application and pass away during the contestability period, your claim may not get paid out leaving your family stuck paying your final expenses.

 

Final Thoughts:

Securing life insurance when you have pre-existing conditions may seem daunting but it's not impossible. Exploring various options, being transparent about your health, and seeking assistance from the insurance professionals at American Eagle Insurance Agency can significantly increase your chances of finding a suitable policy that provides the necessary coverage for you and your loved ones

Don't Wait! Get a Life Quote Now
Start with Appalachian Underwriters for your insurance needs
Westchester is a Chubb company
Tower Hill offers dwelling fire, basic form and sepcial form, DP1, DP3, HO6, condo policies, HOW, homeowner policies
Hiscox offers business insurance in Atlanta GA
Tapco offers insurance in Georgia
Safeco Insurance a Liberty Mutual Company with offices in Atlanta GA
  • Home
  • Policy Review
  • Contact Us
  • Broker Appointments
  • Privacy Policy
  • Terms & Conditions
  • Referral Program