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Focus On Risk: 4 Ways to Navigate Preexisting Conditions

Updated: Feb 16

Introduction: Welcome to The Amber Stitt Show! In today's quick classroom session, we will dive into the important topic of insurance with preexisting conditions. Whether it's disability or life insurance, understanding how preexisting conditions can affect your coverage is crucial. Let's explore four key facts about getting insurance with preexisting conditions and how you can navigate this complex field.

1. Disability Insurance and Preexisting Conditions: Disability insurance provides essential income protection if you are unable to work due to illness or injury. Ideally, it is advisable to secure these policies before any health conditions arise. However, if you do have preexisting conditions such as pre-diabetes, cancer, depression, asthma, or autoimmune issues, your options may be limited. As an independent broker, we can help assess these conditions and communicate with underwriters to find solutions tailored to your needs.

2. Life Insurance and Preexisting Conditions: When it comes to life insurance, preexisting conditions can result in rate increases or modifications. Factors like gestational diabetes, high-risk activities, or a history of cancer may impact the rates you receive. It is important to consider applying for life insurance early on, even before certain dependents exist, to take advantage of good health and potentially secure lower rates. Working with independent brokers can help you find carriers who may be more lenient in their approval process.

3. Coverage is Possible, But with Caveats: It is possible to obtain coverage with preexisting conditions, but there may be exclusions or rate increases. Genetic tests, preventative measures, or personal testing can sometimes affect your insurance history and may need to be explained. Consulting with brokers who can understand your unique situation is essential to finding the best rates and coverage for your needs. Remember that chronic or serious conditions might disqualify you altogether, so it's crucial to assess your options promptly.

4. Providing Extra Evidence and Employer-Sponsored Coverage: Sometimes, you may need to provide additional evidence to support your situation and obtain more favorable terms. This can involve gathering records and showing stability and progress in your treatment plan. While private disability or life insurance may be challenging to obtain, it is worth exploring employer-sponsored coverage. Group benefit packages can be beneficial, especially if you have preexisting or chronic conditions. Group plans often provide stability, although portability may be limited. If you are fortunate to be in good health, supplemental private coverage can be considered on top of your group plan.

Conclusion: Navigating insurance with preexisting conditions requires careful consideration and proactive planning. Understanding that disability and life insurance coverage may be affected by factors like preexisting conditions, chronic illnesses, or treatment history is crucial. By working with independent brokers, communicating with underwriters, and exploring employer-sponsored coverage, you can find the best solutions available. Remember, early action and staying informed are key to protecting yourself and your loved ones in the face of unexpected circumstances. Thank you for joining us on The Amber Stitt Show. Stay tuned for more empowering episodes filled with valuable insights on life insurance, financial planning, and protecting the ones you cherish.

Timestamped Overview

[00:02:33] Consider transfer risk, get income protection, preexisting conditions can affect rates. [00:06:40] Group insurance offers portability for job changes. [00:08:18] Get benefits, ask HR, evaluate, take action.

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(480) 707-2771


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