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Life Insurance with major medical condition

It is possible to buy life insurance with major medical condition.  If the condition is severe, you should expect to pay more than someone without a major medical problem. The rate you pay will be a higher price, but you are still eligible.   Both Term and permanent life policies are available on a guaranteed issue basis.

To find out about what life insurance for those critical illness covers, how it works and why it might be right for you,contact our office at 203-796-5403. We work with many life insurance plans that will cover a number of major medical conditions.  These conditions include; heart disease, Diabetes, breast cancer and obesity as well as a number of other conditions.   Ideally, if the condition is not severe you may be able to apply for an underwritten life policy.  The lowest price policies require a medical. This is great; if you can get approval.  For those with a major health condition and other conditions, it may not be possible.  Those with server or multiple conditions should look at simplified or guaranteed issue plans.

Life Insurance with major medical condition: Simplified issue plans

Simplified issue plans do not require a health exam.  The applicant fills out an application with health questions.  The answers are verified by the insurance company checking a drug record or pulling the MIB.  If the client has a condition that is not severe, the insurance company will issue a plan.

Guaranteed issue life insurance:

These policies can be either term or permanent insurance.  Guaranteed issue means anyone can get the policy regardless of current health status.  To quote the lowest cost guaranteed issue term and permanent policy use the link provided below. This link will take you to our MEC99 site which can be used to get an instant quote.

In fact,  it can be very difficult to get guaranteed life insurance under the age of 40.   Our guaranteed issue policy is available to anyone from age 18 and over.

CLICK FOR INSTANT GUARANTEED ISSUE LIFE QUOTE

Life Insurance for Lupus Patients

It is possible to get life insurance for Lupus patients.

Term or permanent life insurance can be difficult to get with a history of lupus. This is due to the increased risks associated with the disease. However, it does mean someone with lupus cannot get coverage. It may cost more for a person with Lupus to get life insurance compared to someone without a health condition. The reality is if you have lupus there is a good chance that you will pay a higher premium rate for term or permanent life insurance.

They type of Lupus you have can determine how much more you need to pay for life insurance.  Everyone with Lupus can get a policy but the cost they will need to pay is the issue.

Types of Lupus

Discoid Lupus

This form of lupus affects only the skin and can cause rashes. It can go away and then come back. Discoid lupus is associates more with women than men and most commonly occurs between the ages of 20 and 48. About 10 percent of people with discoid lupus,  progresses to systemic lupus.

Systematic Lupus

This kind of lupus can affect just about any part of the body.  The symptoms can be mild to severe and tend to come and go.  Common symptoms include painful joints, rash, fever, hair loss, loss of circulation, ulcers and major fatigue. 

Which type of insurance to apply for:

If someone has either Discoid Lupus and no other health complications or Lupus that has been dormant for many years, they can apply for a fully underwritten insurance policy.    Insurance carriers offer the best rates if you purchase a fully underwritten policy.  For those that have Systematic Lupus or Lupus with other health complications, they should apply for a simplified issue or guaranteed issue policy.  Call our office for more specific details.  We have included a link to our lowest cost guaranteed issue term and permanent life policies below.  You can click the link to get a quote and or apply. The link will take you to our MEC99 quote site which allows you to get an instant quote

Click for guaranteed term and permanent insurance quotes

Sign up for Medicare On Line

It is possible to sign up for Medicare on line. For those of you who are unfamiliar with Medicare, it is a government health insurance program.  Medicare is not only for people age 65 or older,  younger people who qualify as disabled and meet certain criteria may also use it. Signing up for Medicare does not have to be overwhelming.  You can sign up for Medicare on line, from your own computer!

What to know about applying for Medicare –

You have some choices to make when you sign up for Medicare.  When you are eligible, you can sign up for Part A, that’s hospital insurance and it is free. You are also eligible for Part B , that’s medical insurance.  Because you have to pay a premium for Part B coverage, you can decide not to take it. Although, if you change your mind and want to enroll in Part B after your initial enrollment, you could be charged a late enrollment penalty fee for the entire time you have Part B coverage.  The cost of this penalty will raise your coverage cost by 10 percent for every 12-month period you were eligible for Part B, and did not take it.  In some cases,you may avoid the penalty fee if,  you qualify for a special enrollment period.

If you are eligible to join Medicare at age 65, you basically have 6 months to enroll in Medicare.  The enrollment period starts three months before you  turn 65, that period includes the month you turn age 65. The enrollment period ends three months after your 65th birthday. However, if you choose not to enroll in Medicare Part B during your initial enrollment period, you will have the option to choose enrollment later.  Medicare part B offers a general enrollment each year to sign up, it starts on January 1  and ends on March 31. Your coverage go into effect on July 1 of the same year you enroll.

In fact, If you have Medicare you are eligible for Medicare prescription drug coverage.  This coverage does have a cost.   Although,  if you have limited income, you may qualify for help with either all or some of the plan cost.

 Sign up for Medicare on line:  CLICK TO SIGN UP FOR MEDICARE ON LINE

The Social Security administration works with CMS(Centers for Medicaid and Medicare Services) by enrolling people in Medicare.  In fact, CMS is the agency that manages Medicare.

You can apply for Medicare on line, as soon as you are eligible. Click this link to get the online application to sign up for Medicare.  It will only  take a few minutes to complete. Once you complete the on line application and submit it, you’re all set. Normally, there is no documentation needed and there are no forms for you to sign. Once you submit your application, Social Security will process it.  Social Security will only contact you if  they need additional information. Once your application is processed all you have to do is wait for your Medicare card to come in the mail.

To find out what documents and information you need to apply, go to the Checklist For The Online Medicare, Retirement, And Spouses Application.

 Already have Medicare, you can save yourself time and get both information and services online.

If you are a Medicare Part A member and you decide to enroll in Medicare Part B, you can click the link and complete a form CMS 40-B.   This form is an application for Medicare Part B (Medical Insurance). After you fill it out, just mail it to your local Social Security office.