Trying to find the most affordable life insurance with Peripheral Vascular Disease can be daunting. The key is choosing an agency that works with the best life insurance companies, including the best no medical exam life insurance available. At TermLife2Go, we focus on each carrier’s niche in order to align our clients with the company best suited to that specific client’s need. That is how we help our clients find the best life insurance rates. Give us a call today to see what we can do for you.
Peripheral Vascular Disease and Life Insurance
Applying for life insurance is a big deal, and it’s an even bigger deal when you have any kind of medical condition. High risk life insurance companies treat every medical condition differently so it’s important to get all the facts. If you have peripheral vascular disease, then there are certain things you should know before you apply for a life insurance policy. At TermLife2Go, we aim to educate life insurance seekers so they can make the best life insurance decisions.
Finding Life Insurance with Peripheral Vascular Disease
What is Peripheral Vascular Disease?
When fatty matter builds up inside of your arteries it disrupts your circulation. This is a type of arteriosclerosis or hardened arteries. Over time, your arteries will be further weakened and blocked. This disease is known as peripheral vascular disease or peripheral arterial disease.
How do you get peripheral vascular disease?
People get peripheral artery disease from:
- Lack of exercise or extreme inactivity
- Weight problems/obesity
- High cholesterol
Many people who have peripheral artery disease suffer from claudication. Claudication is literally a pain in the leg. Patients with peripheral vascular disease may feel claudication during exercise.
What should I expect when applying for life insurance with PAD?
If you suffer from peripheral artery disease, then your life insurance application process will be slightly different than a person who is completely healthy. A life insurance company’s job is to determine the risk factors in your life—life insurance underwriters want to know what has the potential to cut your life shorter than expected.
All life insurance applicants who want traditional life insurance will be asked to undergo a basic life insurance medical examination. If you have a disease like peripheral artery disease, then you will also likely have an interview with a life insurance agent. During the interview, the agent will ask you some more questions about your health, and in particular, your peripheral vascular disease and symptoms. To help you prepare for your life insurance application, TermLife2Go has put together a list of potential questions you may be asked. Life insurance agents and underwriters may ask you any or all of the following:
- When were you diagnosed with peripheral vascular disease?
- What symptoms do you currently feel?
- Have you ever had any serious complications from PAD?
- What kind of treatment have you had for peripheral vascular disease?
- Are you currently undergoing treatment? If so, what is it?
- Have you had any invasive treatment such as surgery?
- If you have had surgery, did you have any complications? When was the surgery?
- Are you currently on any medications such as blood thinners or pain relievers?
Life insurance companies will use this information to determine your risk level. As with all diseases, the more severe your case, the harder it will be for you to secure traditional life insurance. If you have a mild form of peripheral vascular disease with few symptoms, you will qualify for a lower rate than if you have a more acute case with many symptoms.
What if I have had surgery for peripheral vascular disease?
Patients who have had a surgical procedure will likely have a more difficult time obtaining life insurance if they apply right after the surgery. Life insurance companies like to see how you recover and if the procedure was effective. It is a better idea to wait 6-12 months after any surgery before you apply for life insurance.
Will I qualify for a life insurance policy with peripheral vascular disease?
In most cases, patients with peripheral vascular disease still qualify for a life insurance policy. The rate will depend on the severity of the case; in many instances it is likely you will pay a premium on the rate because of peripheral artery disease. For more extreme cases, choosing burial life insurance from the best final expense and burial insurance companies might be your only option.
What if I have been rejected a life insurance policy before?
If you have been rejected a life insurance policy for peripheral vascular disease or anything else, then the first thing you should know is that life insurance companies are all different. One may reject you and another may underwrite your policy.
Which life insurance company is best for people with peripheral vascular disease?
This is a simple question with a not-so-simple answer. If we at TermLife2Go could recommend one single life insurance company for all patients with peripheral vascular disease, we would do it. But the truth is that there are many other factors that will determine which life insurance company is right for you. If you have peripheral vascular disease and so does your friend, it’s likely that after a thorough analysis of your particular situation, we would recommend two different life insurance companies and two different policies.
That’s why we suggest you contact us as TermLife2Go.
We will listen and learn about your life and your circumstances. We will get to know the details about your peripheral vascular disease and also about the other factors in your life. After we know everything about your life that life insurance providers care about, we will make a recommendation that’s right just for you. We make custom life insurance recommendations based on you and your needs.
TermLife2Go is in a unique position to offer this kind of personalized advice because we have an in-depth understanding of the the different types of life insurance policies offered by more than a dozen top life insurance companies in the United States.
If you would like to speak with a TermLife2Go representative and get your free life insurance consultation, then please call us today.
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