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"ty for the help everyone. I am just trying to get a feel for what to watch for and any tips you may have for me. I had an aortic valve replaced about 3 years ago, I am on warfarin and it is under control, other then that healthy guy. No other issues with the family. cheers and thanks again."
Thanks. And let me say I am not trying to be ass to you, but I will be honest and frank about your situation.
When people buy life insurance, their only advantage is their good health. Your good health creates better price offers. The second your health changes, your bargaining ability does as well.
You are three years out of valve replacement. You have not yet developed a good history (7-10 years) that might bring you up to a standard offering. You will most likely be on a blood thinner the rest of your life as well.
You have the possibility of a long life, but not as long as you had compared to a healthy person of ideal weight to height. We haven't asked weight yet.
So if you really want to get life insurance find an agent who is preferably independent and give him/her all the information up front to do a pre underwriting with several carriers. You may not get anything, but you might get something to consider. You do not want to fill out an app before this is done as a decline goes into your health records. So follow that suggestion.
If you have insurance at work, see if you can get it and if it's convertible later when or if you part ways.
You may look to guaranteed issue plans, I don't sell them, but lots of guys here do and they might help you.
But forget cheap at this point. There is no cheap anymore.
You'll notice I haven't mentioned term or permanent once in any of my comments. Why? because at this point you're looking for somebody to say "yes" they'll insure you.
Your ability to be "choosey" has fallen off the earth. You are now in a position of "I hope I can find life insurance that will insure me." Entirely different position than when you first posted. You shouldn't care first about what type, only if you can get coverage at all.
I say this as a person who is no longer insurable. Type II, AFIB and a recent amputation basically makes me done in new coverage options. Thank God, I had my coverage in place prior to all this stuff that happened to me. Even got to use my disability coverage and waiver of premium these past 12 months.
Good luck. I hope you find coverage, I honestly do.
Thanks. And let me say I am not trying to be ass to you, but I will be honest and frank about your situation.
When people buy life insurance, their only advantage is their good health. Your good health creates better price offers. The second your health changes, your bargaining ability does as well.
You are three years out of valve replacement. You have not yet developed a good history (7-10 years) that might bring you up to a standard offering. You will most likely be on a blood thinner the rest of your life as well.
You have the possibility of a long life, but not as long as you had compared to a healthy person of ideal weight to height. We haven't asked weight yet.
So if you really want to get life insurance find an agent who is preferably independent and give him/her all the information up front to do a pre underwriting with several carriers. You may not get anything, but you might get something to consider. You do not want to fill out an app before this is done as a decline goes into your health records. So follow that suggestion.
If you have insurance at work, see if you can get it and if it's convertible later when or if you part ways.
You may look to guaranteed issue plans, I don't sell them, but lots of guys here do and they might help you.
But forget cheap at this point. There is no cheap anymore.
You'll notice I haven't mentioned term or permanent once in any of my comments. Why? because at this point you're looking for somebody to say "yes" they'll insure you.
Your ability to be "choosey" has fallen off the earth. You are now in a position of "I hope I can find life insurance that will insure me." Entirely different position than when you first posted. You shouldn't care first about what type, only if you can get coverage at all.
I say this as a person who is no longer insurable. Type II, AFIB and a recent amputation basically makes me done in new coverage options. Thank God, I had my coverage in place prior to all this stuff that happened to me. Even got to use my disability coverage and waiver of premium these past 12 months.
Good luck. I hope you find coverage, I honestly do.