It is not surprising that the younger individuals have cheaper insurance policies than the older ones. It is because most young people are healthy and do not have any serious health issues. As we age, many diseases can cause health concerns. That is why it can be hard to qualify for life insurance with pre-existing conditions.

What are Pre-Existing Conditions?

A pre-existing condition is a disease condition you already have before applying for an insurance policy. Pre-Existing conditions may increase the rate of your insurance policies and make a life insurance agent think twice before considering your application.

Here is the list of diseases that are considered pre-existing conditions:

  1. Asthma
  2. Cancer
  3. Epilepsy
  4. HIV
  5. AIDS
  6. Depression
  7. Diabetes
  8. Hypertension
  9. GERD
  10. High cholesterol
Can You Get Life Insurance If You Have Pre-Existing Conditions_

How Can You Qualify for Life Insurance with Pre-Existing Condition?

Having a pre-existing condition does not mean that you do not deserve life insurance, but it could increase your risk of being approved for the policy. Here are a few tips that may help you qualify for an insurance policy.

1. Listen to Your Doctor’s Advice

If you want to get your insurance with medical complications, you must pay attention to your physician’s advice. Once you are aligned with your treatment plan, it will increase your quality of life and increase your chances of qualifying for the insurance policy.

2. Exercise Regularly

We often neglect the importance of exercise in our daily life, especially if you have an underlying health issue. Exercising for a few minutes a day can make a huge difference in your quality of life.

3. Lose the Extra Fat from Your Body

Obesity is the root cause of many illnesses. If you work hard to burn those extra pounds from your body, you could ultimately treat the other illnesses as well.

Best Type of Life Insurance Policy with Pre-Existing Conditions

P&C Life Insurance has a complete selection of policies that they offer that will benefit their clients. With these options, you do not have to worry about yourself and your loved ones. P&C Life Insurance cares for its customers and their family’s wellbeing and assurance.

Here is a list of some of the policies offered by P&C Life Insurance

  1. Term Life
  2. Whole Life
  3. Individual Health
  4. Group Health
  5. Disability
  6. Long Term Care
  7. Annuities
  8. Financial Products

Term life insurance covers up to 30 years after you get coverage. If you live up to 30 years with a pre-existing disease, term life insurance is a good choice for you.

Whole life insurance has its perks, it does not require a minimum time before being available. Whether you live for a year, or a decade the whole life insurance will cover you.

Do you Have a Pre-Existing Condition?

Get Your Life Insurance From P&C Life Insurance

If you are suffering from pre-existing conditions and have faced rejection from other insurance companies, now it is your time to relax. P&C Life Insurance is happy to help the elderly community. At P&C Life Insurance, we understand your health concerns, and our expert agents will work hard to get the coverage you deserve. Contact us or provide us your contact details, and an experienced professional will get back to you soon.

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