Does Having an Irregular Heartbeat Impact My Ability to Get Life Insurance?

15 Dec Does Having an Irregular Heartbeat Impact My Ability to Get Life Insurance?

Having an irregular heartbeat or other pre-existing conditions can affect many different aspects of your life. It doesn’t, however, have to impact your ability to get a quality life insurance policy. Many insurance companies offer life insurance policies to clients who have a variety of health conditions. A pre-existing condition does not make you ineligible for life insurance or any other type of insurance. It may pose a challenge or two, but it won’t stop you from getting a quality policy.

Pre-existing Conditions

Pre-existing conditions can range in severity. Some are rather mild, while others can become quite severe over time. Everyone’s heart skips a beat occasionally. Having an irregular heartbeat doesn’t mean you are seriously ill; it just means that you are at a much higher risk for certain other health conditions. With that being said, purchasing life insurance is still very much a possibility. You just have to find the right insurance provider who will understand your unique coverage requirements and offer you the right policy.

Be as Honest as Possible!

When you fill out the application for your life insurance policy, you need to be completely honest. Lying on a life insurance application will make the policy null and void as soon as the truth is discovered. Even an unintentional half-truth or omission can prevent your loved ones from receiving the death benefit provided by your policy. Therefore, always tell the truth to the best of your knowledge; that way, no discrepancies will be found when your insurer reviews your medical records.

Life Insurance at Dougherty Insurance

Even if you have a pre-existing condition, we can help you find a policy that will provide you with the coverage you need. With access to several different carriers, we can match you with a provider who will consider your pre-existing conditions while crafting your policy. We will go the extra mile and make sure you have everything you need.

At Doughtery Insurance, we value you as a person and not just another policyholder. We understand the importance of personalizing life insurance to suit your needs, family, and future, all at the right price. Contact us today for service in Illinois, Wisconsin, and Indiana.