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Insurance providers recognize cardiomyopathy in different ways, but typically base how it’s defined on the New York Heart Association classification of cardiomyopathy. Because cardiomyopathy manifests in different ways and intensities, you’ll likely need to answer a number of questions to help the insurer understand your condition on the whole.
Yes, you can still get life insurance. Whether your application will be accepted will depend on the severity of your condition and its underlying cause, as well as the type of life insurance you apply for.
An insurer will usually take one of four actions:
An independent insurance agent can provide you with invaluable insight, as they can use their knowledge of different providers to help you find the policy and insurance brand best suited to you.
You have several options for finding the right life insurance policy for your needs.
Independent insurance agents aren’t tied to any one insurance company, and you may even be able to find one that specializes in working with those who have a higher risk condition, such as heart problems.
Group policies tend to have coverage for preexisting conditions. By getting a life insurance policy with your employer, you may be able to take advantage of this and pay a lower premium.
You can also work with life insurance providers directly, find out the different potential prices and compare options on your own.
You’ll need to help the insurer understand your condition for the purposes of underwriting. When you apply, you may have to answer the following:
It’s likely going to have at least some impact. Depending on the severity of your condition, that impact may be bigger or smaller than others.
Your cardiomyopathy also likely won’t be the only part of your overall health that’s considered. Typically medical exams also include questions about smoking and drinking habits, mental health, weight and more.
Yes, you’ll find several options that come without a medical exam.
A medical exam won’t be necessary, but you may need to fill out a questionnaire about your medical history. Simplified life insurance policies can be applied for over the phone and online.
Guaranteed acceptance life insurance has the benefit of no medical exam, but it comes at a higher cost and has less coverage than traditional life insurance.
This option has the potential of not having a medical exam. You’ll need to answer some questions about your health, and depending on how you answer and how the algorithm evaluates them you may be required to take a medical exam.
Learn the reasons for your denial before taking any further steps. By talking with the insurer that denied you, you may be able to mitigate the chances of denial down the road. It may come down to waiting until you can provide further proof that your condition is better under control.
You’re also not guaranteed to be denied by competitors. Shopping around and talking to an independent agent could improve your chances of being accepted. You can also look into no-exam policies.
You can get life insurance with cardiomyopathy. Take your time and compare your options to find the policy that provides the coverage you need at a price that fits your budget.
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