Life insurance in San Antonio, TX can be hard to obtain if you have a pre-existing condition, but it’s not impossible.

Pre-existing conditions make acquiring life insurance tough. This is because life insurance companies weigh the risks of a claim coming from you. The higher your death risk is, the harder it is to acquire, and the more expensive your life insurance in San Antonio, TX will be. But just because it ‘s difficult does not mean that it is impossible. Here are things you should know if you have a pre-existing condition.

Cardiovascular Disease (Heart Disease)

Put yourself in the best possible position to obtain life insurance by regularly seeing your doctor and following his or her advice related to your condition.

The reason this disease raises a red flag is that plaque build-up can lead to heart attacks and strokes.

Diabetes

Type 1: The age at which you were diagnosed matters and any conditions that arose from your state will play a factor in the rates you are quoted.

Type 2: If your diabetes is being controlled with insulin, rather than a healthy diet, issues may arise with your insurance company.

Regardless of the type of diabetes you have, you can still get affordable insurance if proof is submitted to your insurance company that you are doing a good job keeping it under control.

Cancer

Your insurance company will want to know these things:

• What kind of cancer did you, or do you, have?
• Have you finished treatment? How long has it been since your last session?
• Are you still being treated, or has it been completed?

Cancer can vary wildly depending on which stage it is in, and does affect your survival risk.

Contact Jerry R Carnahan Insurance to learn more about your options for life insurance in San Antonio, TX. We can help you assess your needs and hunt for ways to save.