Living Debt Free & Truly Wealthy, The found money specialist, United States
There are many qualifying and disqualifying factors in buying a life insurance policy. But i think it's not about a certain health problem you may have. I'ts really about which life insurance company will give you the policy no matter what condition.
It may cost you higher premiums but you will have a policy. I think the next step would be to speak to an expert insurance agent who can match you up with the right company to buy your life policy.
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Each carrier has their own underwriting guidelines. When it comes to drug use, every carrier is going to be different and they will almost always ask for a drug questionnaire to be completed with the application. Some of the questions they may ask would be in regards to the type of drugs used, how often do you use them, any arrests, etc.
If you're using drugs or have used them in the past, you want to shop the case through an independent insurance agent because you may get different responses from different carriers for the risk class they may consider for your policy.
.JPG){kind=avatar}
It may cost you higher premiums but you will have a policy. I think the next step would be to speak to an expert insurance agent who can match you up with the right company to buy your life policy.
If you're using drugs or have used them in the past, you want to shop the case through an independent insurance agent because you may get different responses from different carriers for the risk class they may consider for your policy.