If you were to pass away tomorrow, your loved ones would be left with thousands of dollars of debt because of mortgages, medical bills, funeral expenses, and much more. Buying life insurance can be a long and frustrating process, especially if you have a pre-existing condition. Life insurance is one of the most important purchases that you can make for you and your family. There are millions of Americans with health problems that need life insurance and think they can’t be approved. However you can get Sarcoidosis life insurance coverage with one of our carriers at Senior Care Life.
Life Insurance Coverage with Sarcoidosis:
If you’re looking for life insurance with sarcoidosis, we have great news for you. At Senior Care Life we are here to help. We deal with pre-existing health conditions on a regular basis and have great success at finding coverage. Finding affordable life insurance is not always easy, and dealing with any type of health concern on top of that only makes matters worse. You’re in the right place and we know what to do in order to find you affordable coverage. If for some reason you were already declined because of the sarcoidosis, we can help you. Our A+ Rated life insurance carriers will provide you with low cost life insurance coverage (With No Medical Exam) if you have Sarcoidosis. Fill out our Contact Form to request life insurance coverage if you have Sarcoidosis or other medical issues.
Buying Life Insurance With Sarcoidosis And Other Medical Conditions
If you are concerned about qualifying to buy life insurance because you have other forms of health issues such as life insurance with diabetes, or life insurance with COPD we can help. W are here to help you find the best company to work with for your unique situation. Continue reading to learn more about what you can do to find a life insurance policy, discover how sarcoidosis affects life insurance underwriting, and best practices to getting the cheapest coverage. You may have other conditions such as epilepsy and you’re searching for life insurance. We have companies can can cover you regardless of your medical condition, As long as you meet the qualifying age requirement – 50 to 85. At Senior Care Life it is our pleasure to assist you in find the right policy.
What Is Sarcoidosis?
According to the National Heart, Lung, and Blood Institute (NHLBI): Sarcoidosis (sar-koy-DO-sis) is a disease of unknown cause that leads to inflammation. This disease affects your body’s organs. Normally, your immune system defends your body against foreign or harmful substances. For example, it sends special cells to protect organs that are in danger. These cells release chemicals that recruit other cells to isolate and destroy the harmful substance. Inflammation occurs during this process. Once the harmful substance is gone, the cells and the inflammation go away. In people who have sarcoidosis, the inflammation doesn’t go away. Instead, some of the immune system cells cluster to form lumps called granulomas (gran-yu-LO-mas) in various organs in your body.
Some causes and symptoms associated with having Sarcoidosis:
- Growth of tiny collections of inflammatory cells
- Swollen lymph nodes
- Weight loss
- Lung problems
- Persistent dry cough
- Shortness of breath
- Chest pain
- Skin problems; rash,lesions,color change
You Can Get Life Insurance Coverage
If you have Sarcoidosis
If you have Sarcoidosis or have any other illnesses, fill out the contact form above for a Quick Quote from a Licensed Senior Life Insurance Professional in Your State. Your policy can cost as little as $1 a day.
At SeniorCareLife we do our best in getting you the lowest cost coverage for your medical condition. With Sarcoidosis you can also help to improve you health condition by taking your medication as prescribed by your doctor and keep up with your doctor visits. Your agent will know about the insurance companies underwriting criteria and requirements for life insurance coverage with Sarcoidosis. To get the most affordable life insurance coverage with Sarcoidosis you need to talk with a life insurance agent that have the necessary connections with the right type of insurance companies. Even If your health condition with Sarcoidosis is deteriorating and you are concerned that you will not qualify life insurance, you can still get coverage. You can also keep your life insurance qualifying costs down by having regular physicals and doctor checkups. You can always get coverage with a Guaranteed Acceptance Whole Life Insurance Policy regardless of your medical condition.
Life Insurance With Pre-existing Health Conditions
If you have been diagnosed with Sarcoidosis and need life insurance, one of the most important steps you can take toward getting coverage is to work with a life insurance agent who specializes in obtaining life insurance coverage for people with that condition. As with some of our policies you will not have any health questions or medical exam to qualify for coverage. By working with an agent who specializes in pre-existing health condition life insurance coverage, you will increase your chances of finding the most affordable coverage. Keep in mind that you will not have to submit to a doctor’s medical exam and in some cases you will not need to answer any health questions. In addition to working with an agent who specializes in Sarcoidosis life insurance coverage. There are also things you can do to help getting more affordable coverage, like avoid smoking.
Have You been Rejected By A Life Insurance Company Because You Have Sarcoidosis?
If you’ve already been turned down for life insurance with sarcoidosis, it’s either because you picked the wrong carrier to apply to, or you didn’t paint a clear enough picture for the underwriter to give yourself the highest chance of an approval. Now that you experienced a definitive impact on your risk to a life insurance carrier, let’s discuss what our carriers can do.
Underwriting Evaluation For Life Insurance Coverage with Sarcoidosis
There are common factors that the life insurance underwriters will look at when evaluation your application for coverage. If you have signs of a moderate to severe case you may begin to fall into the sub-standard category by some life insurance companies. However we have companies which will approve you in the standard category regardless of the severity of your sarcoidosis condition. The most common ratings we have with our carriers do fall the standard category. All our carriers are large players in the life insurance industry.
Common factors underwriter consider:
- Your Current Age
- Other Health Concerns Date of Diagnosis
- Age at Diagnosis
- Remission Dates
- Required Treatments
- Medications Steroids in particular
- Organs Affected
- Test Results X-Ray, MRI, etc.