Declinable Conditions For Term Life Insurance

eting a term life insurance and paramedical is notdreamed as declinable conditions when applying for
the end of the world but why waste the time iflife insurance.
you have a declinable condition. Ultimately, each lifeVarious diseases of the blood are the first that
insurance company makes the decision as tocome to mind. These include AIDS/HIV and
whether someone is approved or declined butHepatitis C. Treatment and management of both
there are some conditions that are pretty muchdiseases are improving with time but there is still
declinable in nature. Let's look at these and whatan increase in mortality rates associated with
other options might be available.these diseases. To some extend, we'll include
The life insurance carriers rarely come out with aDiabetes in this category. Diabetes is another
black list of declinable conditions to the public butcondition which can be successfully managed but it
we can piece together some real red flags frommay still be an issue in terms of qualifying.
the lowest health class available (Standard riskCerebrovascular diseases. This would result from
health class) and the conditional temporary lifediseases that affect the vascular system in the
insurance questions which are a simplified set ofbrain such as AVM (Arterial Vascular
questions. We can also looked at the CDC's dataMalformation). The increased risk is for strokes or
on top causes of death as these would directlyaneurisms that may occur as a result.
affect the life insurance carrier's underwritingAside from the disease side, accidents account
decision. Let's look at these causes in descendingfor 5% of deaths and we're ranked #5. There
percentages for the cause of death in the U.S.are many lifestyle, occupations, and hobby
Probably the biggest category as it pertains todecisions that factor into this risk. Drug use
mortality tables is the general Cardio Pulmonary(depending on particular drug, severity, and time
category dealing with diseases of the heart. Insober) comes into play here. Also, a history of
2006, this made up roughly 26% of all deaths.unsafe driving and/or DUI's on your driving record
This can include heart attacks, heart disease,may make you uninsurable depending on the
irregular behavior and the like. This is especiallyseverity and time away. Alcholism, Drug
looked at in conjunction with corresponding issuesdependency, etc also figure into disease mortality
such as high blood pressure, elevated cholesterol,such as liver failure and Hepitis C/AIDS.
and height/weight. 'If you have a condition or medical history that is
The next category is cancer. This accounts forcurrent and/or extreme in relationship to one of
roughly 23% of the deaths. There two significantthese categories, it might be difficult to qualify for
issues here. One is that there many kinds ofterm life insurance coverage. We would be happy
cancer with a huge range of severity fromto go over your particular situation to discuss
extremely treatable to extremely difficult to topossible options. High risk life insurance or no
treat. The type of cancer, the stage it was it, andmedical exam insurance might provide a back-up.
most importantly, the amount of time sign andThe good news is that there is no application fee
symptom free have a significant bearing on howto apply for term life and you have a
the life insurance company will view your eligibility.money-back guarantee if you do not want an
Interestingly enough, these two categories makeoffered policy and/or rate in the 10 days of
up roughly half of the deaths in the U.S. There arereceiving the policy. Essentially, there's no
many personal choices we can make to affectdownside to applying because the life insurance
our chances of avoiding both. Let's look at somecompany is ultimately the one that decides if your
of the smaller categories that are likely to beeligible for coverage.