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Get Life Insurance with a Pre Existing Condition?

life insurance with pre existing conditions

I am a Senior and I have a pre existing condition, can I still get Life Insurance? That’s a question a lot of folks ask.

Another question is: “Do I have to have a physical? Since my health might not be perfect, I know this could stop me from getting any form of insurance.

This is What goes Through the Minds of Many of Those with Pre Existing Conditions. Can they Still Get Life Insurance?

There are probably tens of millions of Americans who would love to get life insurance coverage but won’t because they are terrified of having that exam.

Years ago, you probably could not get coverage if you had a pre existing condition, but today things are VERY different.

A Pre Existing Condition Can Include:

Amputation Due To Diabetes
• Eligible for immediate coverage: Yes
• Eligible for level rates: No

Aneurysm
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Angina
• Eligible for immediate coverage: No
• Eligible for level rates: No

Arthritis
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Asthma
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Atrial Fibrillation
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Bi Polar Disorder
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Blindness
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Blood Clots
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Blood thinners
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Cancer
• Eligible for immediate coverage: Depends on time
• Eligible for level rates: Depends on time

Chewing Tobacco
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Congestive Heart Failure (CHF)
• Eligible for immediate coverage: Partial
• Eligible for level rates: No High Cholesterol
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes Chronic Bronchitis
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

More Life Insurance Challenges with Pre Existing Conditions:

Cigars
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Circulatory Surgery
• Eligible for immediate coverage: Depends on time
• Eligible for level rates: Depends on time

Cirrhosis
• Eligible for immediate coverage: Yes
• Eligible for level rates: No

COPD
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Crohn’s Disease
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Cystic Fibrosis
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Defibrillator
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Dementia
• Eligible for immediate coverage: No
• Eligible for level rates: No

Depression
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Diabetes
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Diabetic Coma
• Eligible for immediate coverage: Yes
• Eligible for level rates: Depends on time

Type 1 Diabetes
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Dialysis
• Eligible for immediate coverage: No
• Eligible for level rates: No

Disability
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Diverticulitis
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes
• Eligible for level rates: Yes

Diverticulitis
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

More Life Insurance Challenges with Pre Existing Conditions:

Epilepsy
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Fibromyalgia
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Graves’ Disease
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Heart Attack
• Eligible for immediate coverage: Depends on time
• Eligible for level rates: Depends on time

Heart Surgery
• Eligible for immediate coverage: Depends on time
• Eligible for level rates: Depends on time

Hepatitis
• Eligible for immediate coverage: Yes
• Eligible for level rates: No

High Blood Pressure
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

HIV or AIDS
• Eligible for immediate coverage: No
• Eligible for level rates: No

Home Health Care
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Insulin Shock
• Eligible for immediate coverage: Depends on time
• Eligible for level rates: Depends on time

Kidney Disease
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Lupus
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Multiple Sclerosis
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Nephropathy
• Eligible for immediate coverage: Yes
• Eligible for level rates: No

Neuropathy
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Overweight
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Oxygen
• Eligible for immediate coverage: No
• Eligible for level rates: No

Pacemaker
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Parkinson’s Disease
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

More Life Insurance Challenges with Pre Existing Conditions:

Pipe Smokers
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Retinopathy
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Sarcoidosis
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Schizophrenia
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Scleroderma
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Seizures
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Sickle Cell Anemia
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Sleep Apnea
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Smokers
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Stroke
• Eligible for immediate coverage: Depends on time
• Eligible for level rates: Depends on time

TIA Attack (Mini Stroke)
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Tumors
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

Wheelchair usage
• Eligible for immediate coverage: Yes
• Eligible for level rates: Yes

The Insurance companies know you don’t want to have an exam, so if you go with the right one (insurance carrier), you can skip that exam and go straight to getting coverage. Get your instant life insurance quote today.

How do I say it more clearly?

Even With a Pre Existing Condition, there is NO MEDICAL EXAM Needed for Life Insurance.

We are now getting approval in less than 10 minutes over the phone with rates almost HALF of Colonial Penn (you’ve seen their ads on national cable TV with Alex Trebek).

Why pay double with them? It would be like getting your cable tv and internet bill for HALF of what you pay now, with the exact same service or maybe even better and not wanting to switch.

Insanity … But very few folks are insane, they just don’t know that we have so much better options. They are too busy living their lives.

Even this writer, Gary P. Cubeta, yes, I hate the idea of a physical exam and I am in great health for my age on no meds and with perfect blood pressure.  But I don’t want a nurse coming to my home and taking my blood and putting me on a scale and asking me all kinds of questions.

No medical exam … EVER with Insurance for Final Expense and that is one of the reasons I really enjoy doing these types of policies.

But Why?  Why would an insurance company take a risk on your or me without an exam?

Especially if There is a Chance that You Have a Pre Existing Condition?

Good question, with a simple answer.

Companies like AIG or Trinity know that their older clients are not in perfect health.  Trying to ask them to be in perfect health to obtain life Insurance with no Pre Existing Condition would be like trying to find a 16-year-old used car that was perfect top to bottom (apologies for comparing us older folks to a used car, but it’s easy to understand).

Meanwhile, they don’t advertise non-stop on cable tv, spots that can run $10,000 or more each. Instead they have Super insurance agents like myself, Gary P. Cubeta doing the work of spreading the word for them.

The only trick is getting you to listen, which you seem to be doing right now.

And the insurance companies like Mutual of Omaha and Royal Neighbors and Prosperity Life have taken it one step further and designed our program so they can give you instant or same day approval.

I’ve been doing this for years, and 95% of my clients (even though they are rarely in perfect shape for their age) still get approved INSTANTLY.

And you can save as much as HALF on Life Insurance with a Pre Existing Condition, because their strong relationship with our company, Insurance for Final Expense.

Wow … just what you want.  No prodding … No blood taking … and as much as half the price of high cost alternatives with less products (smaller payouts to your loved ones).

But if that’s the case, then these plans must be completely unaffordable, right? Or they only offer it to friends and family.

Wrong ….

If they were unaffordable, no one would be able to afford them and then the millions of clients we all have around this great country, they would simply drop their coverage.

The entire system would implode upon itself.

But that isn’t happening and it won’t be happening.  The number of folks protected is actually growing every single day.  Even on holidays (for example I am writing this article on Thanksgiving day 2019 … around noon time in case you are interested).

So What do You Need to Do to Get Covered for Life Insurance?

  • First we do a qualifications check on you … the good news, no doctor is involved.  It’s just you and me on the phone and maybe it takes 5 minutes.
  • Second, we see exactly how much coverage you are going to need.  Again, no CPA needed, as it is just you and me on the phone.  Takes maybe 3 minutes.
  • Third, we make 100% certain that we have an affordable plan for you.  It’s probably the worst word anyone can use in sales, but let’s just lay it on the line.  If you are on a fixed income, money is tight and you want to get coverage, so what you need is a CHEAP plan from a quality company like Mutual of Omaha.
  • Then we do the application, maybe a voice signature over the phone or maybe via email, but we have done the entire process in as little as 15 minutes and in rare cases from start to finish we spend around 30 minutes on it.

And you are covered for Final Expense Burial Life Insurance and the plan is good and the price is good and you are happy.

You may ask, what’s the catch?  There really is no catch.

If you would like to consider Final Expense Coverage for Burial to protect your Loved ones and not leave them desperate for money to arrange your cremation or funeral, just give us a call at 1-800-400-8319 and we will walk you through the process.

You will be surprised how easy it truly is to get life insurance with a pre existing condition.

Gary P. Cubeta
1-800-400-8319
Insuranceforfinalexpense.com
(Serving Americans In All 50 States)