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How to Get Life Insurance if You Have Medical Problems

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Getting Ready to Apply

  • 1). Write down the names, addresses, and phone numbers of all the medical professionals, agencies, clinics, and hospitals you have used in the last 10 years.

  • 2). Make a list of the medications you currently take. Be specific about the exact amount and frequency of dosage (for example: Donalax, 30mg, three times daily).

  • 3). Recall the approximate dates of any major adult life events affecting your health and write them down, earliest first.

  • 4). Disregard accidents from which you fully recovered; they are not considered in underwriting.

  • 5). Summarize all positive aspects about your health condition, such as "never smoked," "quit smoking in 1974," "take walks three times a week," etc.

  • 6). Organize all this information in a folder and make at least one photocopy.

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