Final Expense Life Insurance – Health Conditions Accepted

Final Expense Life Insurance – Health Conditions Accepted

1st-Day Coverage vs 2-Year Waiting Period for Illness

 

We can help you with getting first-day coverage for final expense life insurance or for certain illnesses there is a two-year waiting period for final expense life insurance to kick into place after the policy is put in force.

FIRST-DAY Coverage for Final Expense Life Insurance:

✓ Anemia
✓ Angina
✓ Anxiety
✓ Arthritis
✓ Asthma
✓ Atrial Fibrilation (AFIB)
✓ Back Surgery
✓ Bipolar
✓ Blindness
✓ Bronchitis
✓ Cancer History
✓ Cardiomyopathy
✓ Cerebral Palsy
✓ Crohn’s Disease
✓ Congestive Heart Failure
✓ COPD
✓ Coronary Artery Disease
✓ Cystic Fibrosis
✓ Defibrillator Implant
✓ Depression
✓ Diabetes
✓ Diabetic Complications
✓ Edema
✓ Emphysema
✓ Epilepsy
✓ Fibromyalgia
✓ Gout
✓ Heart Attack
✓ Heart Bypass Surgery
✓ Heart Valve Replacement
✓ Heart Stent(s)
✓ Hepatitis B
✓ Hepatitis C
✓ High Blood Pressure
✓ Hip Replacement
✓ Huntington’s Disease
✓ Hypertension
✓ High Cholesterol
✓ Insulin Use
✓ Irritable Bowell Syndrome
✓ Knee Replacement

FIRST-DAY COVERAGE:
✓ Neuropathy
✓ Osteoporosis
✓ Overweight or Obese
✓ Pacemaker Implant
✓ Recent Hospitalization
✓ Schizophrenia
✓ Scoliosis
✓ Seizures
✓ Shingles
✓ Sjogren’s Syndrome
✓ Skin Cancer
✓ Sleep Apnea
✓ Sickle Cell Anemia
✓ Stent Surgery
✓ Stroke In Past
✓ Systemic Lupus
✓ TIA or Mini Strokes
✓ Ulcerative Colitis
✓ Vision Loss
✓ Water Retention
✓ Most other medical conditions

2-YEAR WAITING PERIOD:
✘ Alzheimer’s Disease
✘ AIDS, HIV, Aids Related Complex (ARC)
✘ Cancer In The Last 2 Years
✘ Cancer In Remission
✘ Coma
✘ Dementia
✘ Diabetic Amputation
✘ Hospice
✘ Hospital Confinement
✘ Leukemia
✘ Liver Failure
✘ Kidney Failure or Dialysis
✘ Memory Loss With Medication Prescribed
✘ Long-Term Care Confinement
✘ Nursing Home Confinement
✘ Oxygen used daily
✘ Parkinson’s Disease
✘ Terminal Illness