How to Get Life Insurance if You Have Medical Problems
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.
Source...