For those who are currently having a difficult time getting approved for life insurance, you may also want to read the following articles which focus on difficult to place insurance policies: Top 10 Best Final Expense Insurance companies, 10 Great No Medical Exam Life Insurance Companies, and Burial Insurance – Why Final Expense Might be the Best Choice.
It goes without saying that any time you’re taking a prescription medication to help treat some type of pre-existing heart condition, life insurance companies are going to be interested in why you’ve been prescribed such a medication. This is particularly true for Lanoxin.
So whatcha got?
If you been diagnosed with congestive heart failure, you’re basically going to find it impossible to qualify for any type of life insurance product that uses heath as a criteria for qualifying. Which means that you’ll want to take a look at what are called “guaranteed issue” life insurance policies which won’t require you to answer any health questions or take a medical exam.
Guaranteed issue life insurance policies will only provide around $25,000 dollars in coverage and will contain a clause known as a “graded death benefit”. To learn more about guaranteed issue life insurance policies we would recommend that you take a look at our article, Top 10 Best Final Expense Insurance companies, and then give us a call so that we can fully discuss the specifics of such policies.
Now if you’re simply using Lanoxin to treat an arrhythmia…
You may have additional options not available to those who have been diagnosed with congestive heart failure. The problem is that there are a lot of different types of arrhythmia’s and each will have their own effect on the outcome of your life insurance application.
This is why you’ll likely be asked a wide range of questions regarding the type of arrhythmia that you have in addition to the severity of the arrhythmia.
Common questions asked of someone who has been diagnosed with an arrhythmia would include:
- What type of arrhythmia do you have? Is it a symptom of another disease?
- How long have you had irregular heartbeats?
- How often do you experience irregular heartbeats?
- When you experience irregular heartbeats, how long does it last?
- Does your arrhythmia keep you up at night or cause you to miss work?
- Have you had any complications due to arrhythmia?
- Have you ever been hospitalized or visited an emergency room for arrhythmia?
- Have you ever worn a heart monitor to assess your heartbeats? If yes, what was the outcome?
- Do you visit a cardiologist regularly? If yes, what has your cardiologist said about your arrhythmia?
- Are you currently taking medication? If yes, what medication do you take?
- Do you engage in any risky behavior that could further aggravate your arrhythmia such as smoking, drinking excessive caffeine, or alcohol?
How do I find the best life insurance policy when I have arrhythmia?
If you are looking for a life insurance policy that covers you and your specific life situation, and arrhythmia, then it can be quite confusing. Every life insurance company has different requirements, and offers different policies. When you have arrhythmia, it may be very difficult to know which insurance company and policy is most appropriate for you. That’s why you should turn to TermLife2Go.
At TermLife2Go we have extensive experience in helping individuals and families to find the right life insurance policy for their life situations and health issues. We have in depth knowledge to the policies available for persons with arrhythmia, and can advise you to help you make the right decision. If you would like a free consultation so that you can learn more about securing a good life insurance policy for you and your family despite your arrhythmia, then contact us today.
Lastly, because well controlled diabetes can possibly qualify for a traditional term or whole life insurance policy without having to take a medical exam, we would encourage you to take a look at our Life Insurance Quotes page that allows you to compare prices of policies that will require you to take a medical exam vs those that won’t.
And since we still have your attention…
It’s fair to say that most people who decide to purchase a life insurance policy do so that they can protect their loved one’s financial future in the event of their death.
But what happens if you get sick but don’t die?
Is your family’s financial future still protected? Probably not. Which is why we would encourage you to also take a look at the following articles which will discuss some other “types” of life insurance policies that can not only protect your family’s financial future, they could also significantly help our your own as well.