Though, the most dangerous risk is developing some sort
of high risk condition — diabetes, high cholesterol, cancer, etc..
Typically, shoppers
with high risk conditions, or have severe pre-existing health conditions may not be able to qualify for this additional rider.
You can get the facts the govern the underwriting process, and review the variables of each rate class by reading the content on our site
about High Risk conditions.
Their graded plan accepts all sorts of
high risk conditions such as recent heart attacks, cancer, and congestive heart failure to name a few.
This means that nearly everyone barring some
super high risk conditions (HIV, current cancer, Alzheimer's, etc), you can get coverage that fully protects you immediately.
If the patient also has a fever or risk of infection, the alert triggers a series of questions about
underlying high risk conditions, perfusion and mental status.
Even for those who have super
duper high risk conditions like AIDS or Alzheimer's, there are policies that have no medical underwriting whatsoever.
Remember, there is no medical underwriting with a guarantee issue life policy, so even these
ultra high risk conditions won't matter.
Of course there will be more Caesarians and other types of problem amongst women
with higher risk conditions, and this fact does not prove that hospital births are safer or less safe, only that women at risk of complication are all at the hospital.
... when you suddenly have to consider how an individual insurance company is going to discriminate against someone with certain
high risk conditions such as:
The competitive environment among all the insurance companies has resulted in pretty much every risk (outside of some very
very high risk conditions) possible being insurable by some company (s).
High Risk Conditions — Very few people are in optimal health, and while many people may be a little overweight or have other minor nagging health issues, there are also many others who suffer from major health challenges.
Many of
the high risk conditions noted above will place a person into a table rating, and will result in a bump up from a standard rate.
If you have what is determined to be
a high risk condition, the price of high risk life insurance coverage will be different based on your medical background and how risky the life insurance company views you.
For instance, someone with
a higher risk condition would typically be rated according to a higher number table, like a Table 4.
Let's say someone had
a higher risk condition, and were likely a Table 4 for most carriers.
It is also a major cause of Diabetes which is
another high risk condition which can easily cause you to pay higher rates.
At the same time, there are some companies that don't view chronic bronchitis as
a high risk condition.
Most companies view a diabetic coma as a very
high risk condition.
Have
a high risk condition?
If you have what is determined to be
a high risk condition, the price of high risk life insurance coverage will be different based on your medical background and how risky the life insurance company views you.
American General, however, understands that people with these conditions still want to make sure that their obligations are taken care of in the event of their death, and has designed very affordable policies to encompass many of
these high risk conditions.
Simplified issues are a bit more involved than the guaranteed policies mentioned above, but they usually are quite accepting, even for those with
high risk conditions.