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Life Insurance and an Enlarged Prostate
When deciding which life insurance company to choose it is important to consider you options. Some companies are better equipped to provide you a lower rate. So how do you find the best life insurance companies that look the most favorably on an enlarged prostate? Find out in this article as we cover:
- Can you get life insurance with an enlarged prostate?
- What will it cost?
- What is the process?
Can I get life insurance with an enlarged prostate?
The short answer is yes.
The life insurance company may ask you additional questions about your condition to determine your eligibility and rate.
If you have your condition is more severe you may want to consider a guaranteed issue life insurance policy. This policy won't take health into consideration and can allow you to get coverage, though it is typically a smaller amount than more traditional life insurance policies.
How much does life insurance cost with an enlarged prostate?
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The life insurance company will take into consideration your age, health, gender, lifestyle and many other factors when determining how much your life insurance policy will cost.
The cost can also depend on the severity of your condition. For example, if your condition isn't severe you will most likely have get a cheaper rate than someone with a severe case.
The type of life insurance policy you choose can also determine how much you will pay. Some types of life insurance such as term life insurance is cheaper than other types of life insurance. However, term policies are only active for a certain period of time, which doesn't suit everyone's needs.
The coverage amount you choose will also play a part in your overall costs. The more coverage you want, the more expensive your life insurance policy will be.
What is the process to apply for life insurance?
As mentioned earlier you could go with a guaranteed issue policy to get coverage. This type of policy allows you to skip taking a life insurance medical exam and you won't have to fill out a health questionnaire.
For some, a no medical exam policy might be the answer. This policy allows you to skip the medical exam, but you would still take a health questionnaire.
A more traditional life insurance policy requires a life insurance medical exam. The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. The company will also request physician statements and look into your medical records. The carrier will also do a prescription database check to see what medications you are currently taking and have taken in the past. The life insurance company will then use those results along with your application to determine the eligibility and cost of your life insurance policy.
The whole processes is guided by your life insurance agent. If you don't currently have an agent, feel free to give us a call.