Arizona AZ Life Insurance Question
Reader’s question:
This is a sad time for us. My husband recently had a heart attack. It was minor but unnerving. He is on the road to recovery. He is very anxious about the possibility of purchasing more life insurance in Arizona. Is there any chance?
Carlotta
Phoenix, AZ
Great news that your spouse is back on his feet. Your request is not uncommon. The advances in the treatment of heart disease are astounding. Obviously life insurance companies are careful with patients with a history of heart disease. Usually there is a waiting period before a policy can be acquired. This time should be used to speed the recovery. Establish a good exercise program, take the medications and refine the diet. See the attending physician regularly. As the condition improves, life insurance will become available at fairly reasonable rates.
Two years is a reasonable time to wait before applying. You may want to consult the life insurance carrier. Based on the patient’s progress, company policies will vary.
As you know, when you apply for life insurance, questions will be asked about existing conditions. Make sure to answer all questions truthfully. Life insurance benefits can be ceased if provided records are inaccurate or incomplete.
Make sure you track and record your husband’s progress with his recovery. This is very valuable when acquiring reasonable premium rates for his new life insurance. On the application list all the preventive steps taken. Life insurance companies in Arizona would like this kind of information. Assure your husband that the coverage is out there. He should be patient and take care of himself.
Loading ...