Can I qualify for life insurance if my health isn’t perfect?

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qualify for life insurance

As part of the coverage couple’s FAQ series, we’ll be answering the question “Can I qualify for life insurance if my health isn’t perfect?”

Can I qualify for life insurance if I have Pre-existing Condition?

The answer to this is easy, because no one has perfect health, but millions have life insurance. The truth is since each carrier sets their own underwriting rules, you can technically have perfect health at one insurer and not another. All you have to do is answer “no” to their specific in-house health questions, and you’re on your way to Insurance Town!

Since we have access to so many carriers at TCC, there’s absolutely a tailored fit for you, and we know how to find it! In fact, we have a standing challenge at The Coverage Couple called, you guess it, The Coverage Couple Challenge. We’re so confident you can have the perfect policy, without perfect health, we double-dog dare you to take the challenge. While it’s not an everyday occurrence, we’ve had clients cry (tears of joy, that is) in the past they were so relieved they could actually get coverage. Usually, they’ve been turned down in the past, and felt anxious over leaving their family with an unbearable burden of debt, rather than a lasting legacy of love. When they finally realize we CAN help them leave an inheritance, it’s a special moment.

Remember, “good health” is totally subjective. One doctor, underwriter, or nutritionist can have a different definition compared to their colleagues. The x-factor isn’t having “perfect health,” it’s working with experts who can identify the perfect policy for you. No one’s going to live forever, and over the past 3 centuries the industry as a whole, and insurers individually, have adapted to the changing landscape of needs, budgets, and health of consumers. You’ll only be making the best of a bad situation IF you work with a one-product company, or a brokerage that only has 5 or 10 options to choose from. At thecoveragecouple.com we have so MANY options available, because we work with so many clients.

We’d like you to be a part of The Coverage Couple’s story, because we’re only successful if you are. No matter what your health status is, there are solutions and strategies we can share with you.

We commit to conducting deep investigative research for you, and would like for you to reserve time with us, without any cost or obligation. We’ll carefully listen, and then follow up with a proven, practical, custom proposal for your review. HERE is our official invitation to take part in The Coverage Couple Challenge, where EVERYONE WINS. Visit the Scheduling Page at thecoveragecouple.com to see how much we can save you on your existing coverage, or provide a financial risk assessment and needs analysis for your review if you’re unprotected and univested. We hope to hear from you soon, because your life is worth the investment! -Aaron & Sarah, The Coverage Couple

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