• Chronic Pain, mild - moderate, fully functional, one healthcare provider prescribing pain medication, no increase in dosage, not more than one medication • Depression, moderate - severe, well managed, no in - patient hospitalization history • Diabetes • Heart / Cardiac Disease • Multiple Sclerosis • Renal insufficiency, mild - moderate, or progressing • Respiratory ailments, mild - moderate, not dependent on oxygen
treatment or regular breathing
treatments, minimal impact to pulmonary function • Stroke history within 5 years (uninsurable within last 12 months) • Surgical repair
of heart valves, aneurysms, intracranial tumors, major organs after six months, including gastric bypass Life insurance is an
essential part of financial
planning in general.
Besides providing coverage for the ailments, a packaged
treatment plan must provide
essential coverage for other areas, which form a crucial
part of your expenses.