I have a minor heart problem. Do I have to tell them when getting life insurance?
Posted on Mar 10, 2008 under Insurance Information |I suffer from heart palpitations approximately once every month, also known as disrythmia. Recently a friend of mine who had a similar heart problem told me that I will have loads of problem in finding an insurance company in order to make a life insurance if i tell them about my heart problem. Should i tell the company insuring me about this problem or should i lie? what should i do?
March 10th, 2008 at 3:15 am
do not ever try to lie. the insurance companies are not naive to make investigations if something will happened to you. they can always dig into your hospital records and if they will find out that you lie to them on the first place, the more you will get in trouble, hence, a possibility that you might lose from the battle.
March 10th, 2008 at 3:15 am
Sorry to hear about your heart condition.
You could lie, but then the insurance company could deny insurance when you have to make a claim on the grounds that you misrepresented actual facts. This might prove to be counter-productive and you might lose whatever you had invested in the insurance policy without ever getting anything out of it.
Your friend had a similar problem, not exactly the same problem. Your age and medical history all count when the insurance company decides to insure you. So faking your medical history will not get you anywhere. You would have to tell them, but I'm sure they will offer you a way out.
March 10th, 2008 at 3:15 am
It is called a pre-existing condition. If you have seen a doctor about your dysrhythmia, and I assume you did, it is in your records. Before an insurance company gives you a policy they check your medical records and "write the policy" accordingly.
Not telling them about it will make the policy void. Effectively if you die they will not pay anything.
You have no other choice but disclose your medical conditions. You may end up paying more, but if something happens to you at least you know that your loved one will receive the insurance money.
March 10th, 2008 at 3:15 am
Hi sir,
Their are certain policies available in the market in which there is no requirementt to go under medical examination and tell them about your past deaseas.
So don't worry contact with best insurance advisor , as we dont know how our life ends.GO FOR INSURANCE IT IS ONE OF THE BEST OPTION YOU CHOOSE.
Regards,
Rocky
March 10th, 2008 at 3:15 am
The simple answer to your question is No, you don't have to tell them. To keep from having to lie or misprepresent the truth you will need to look for a policy that doesn't ask health questions. They account for the fact that most people who apply for them are having health problems that they don't want to disclose or discuss, so they are rated accordingly. It makes them somewhat expensive.
If, however, your condition is under control with medication, you can get a greater amount of insurance and a lower premium by applying with companies that will simply table rate your condition. You won't ever get the super preferred rate or even the preferred rate but you should be able to find a company that will rate you standard. If you have problems, drop me an email and I'll do more research and make a recommendation for you.
March 10th, 2008 at 3:15 am
If you lie, it could later give the insurance company grounds to deny payment.
March 10th, 2008 at 3:15 am
No you should not lie, depending on the company you apply with, the severity of your condition, the frequency of your doctor follow-ups, the age of onset, your current age, and the specific cause of the palpitations, you could receive standard rates.
On the other hand, if you have never told a doctor about this because you thought it was no big deal or were just recently diagnosed, expect declines.
March 10th, 2008 at 3:15 am
Like in your situation,I would like to advise you have a look here.http://lifeinsurance.online-helpers.info/term-life-insurance-claims.html
March 10th, 2008 at 3:15 am
Lie?? Just suppose you were to die in a couple years, and your family were depending on the ins.
The ins co could say, "OOOps!" you left out information, if we would have known this, we would have never issued the policy!"
Don't listen to your friend.Do your own shopping around. Discuss this with an agent. Their job is to help you.
you might be able to get a "rated" policy, one with eitherlimited benefits the first couple years, or for an increased premium.
March 10th, 2008 at 3:15 am
if it is a minor heart issue such as an Arrhythmia issue, there are multiple carriers that will consider you for coverage at a reasonable rate.
You will need to know the specific type of arrhythmia in order for someone to accurately shop for coverage for you.
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