Coverage with a health condition.
Most people who assume they will be declined are approved. Different carriers rate the same condition differently, and guaranteed issue exists for the rest. Here is how each condition is actually handled.
Pick yours
Diabetes
Type 2 diabetes controlled with pills or diet usually qualifies for day-one coverage. Insulin, complications, and age at diagnosis decide the rest.
How it is handledCOPD
Mild COPD or emphysema without oxygen often qualifies for a graded plan. Oxygen use changes the answer.
How it is handled
Heart disease
A heart attack, stent, or bypass more than a year or two ago usually qualifies for a graded or even a level plan. Heart failure is the harder case.
How it is handled
Cancer history
Cancer in remission for two or more years often qualifies for a graded plan, and for some cancers a level plan. Active treatment means guaranteed issue.
How it is handled
Stroke or TIA
A single stroke more than a year or two ago with good recovery usually qualifies for a graded plan. A TIA is treated more lightly.
How it is handled
Oxygen, wheelchair, or home care
These three answers usually mean a guaranteed issue plan. Coverage is still available, and it still pays.
How it is handledWhat the health questions decide
- Level. Full coverage from day one. The best rate. Most applicants land here.
- Graded. A partial benefit for natural causes in the first two years, full benefit after. Accidental death is paid in full from the start.
- Guaranteed issue. No health questions, acceptance within the age range, two-year waiting period for natural causes with premiums returned plus interest if death occurs during it.
Two rules we follow
- We quote the carrier most likely to approve you at level rates first. A decline at one carrier is a reason to try another, not a verdict.
- We tell you which plan you are getting before you buy it. If it is graded or guaranteed issue, you hear the waiting period in plain words on the call.
Answer a few questions. Hear a real number.
Most applications are decided on the same call.