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Can you get life insurance if you have taken drugs?
It will be very difficult to find Life Insurance if you are continuing to take drugs at any level. However, if you are stopping or have stopped using drugs, then at some point, Life Insurance cover may be available, even if you have sustained some permanent health damage or have suffered from mental health issues.
Been Denied Life Insurance, What Do I Do?
What stops you getting life insurance?
One of the most likely reasons for being declined life insurance is due to your medical history. Each medical ailment is considered differently, with many pre-existing conditions not affecting your chances of getting cover or the cost of premiums.
Does blood pressure medication affect life insurance?
YES – you can still get life insurance with high blood pressure (hypertension). In most cases where we speak to customers who have high blood pressure, often it's well controlled with medication. If that's the case for you then you shouldn't have any issues in getting affordable life insurance.
Can I get life insurance if I have anxiety?
Yes, it is possible to get life insurance with a mental health condition, but the decision is made based on the nature of the condition and your most recent medical history. We currently offer 85% of customers who have told us about their anxiety or depressions a policy immediately.
Why would I be refused life insurance?
Most applications are declined due to medical issues. Each life insurance company sees medical issues (and other risk factors, such as extreme sports) differently. For example one company may decline you because you have diabetes, while another may accept you.
What prevents a life insurance?
Here are five things that may prevent you from getting life insurance: Dangerous hobbies. DUI convictions. Hazardous employment.
Life Insurance Won't Pay For Death From This Drug!
On what grounds can a life insurance claim be denied?
there is an exclusion clause in the policy which means that you can't claim for what's happened. you've missed some of the instalments of your premium. you didn't tell your insurer about a change in your circumstances. you haven't followed the claims process correctly.
Can I get life insurance if I have high blood pressure?
If you have high blood pressure, you may be wondering if you can still get life insurance. The answer is yes, but your rates may be higher than someone with normal blood pressure. This is because high blood pressure can lead to health complications like heart disease, heart attacks, and strokes.
Is high blood pressure considered heart trouble for life insurance?
Is high blood pressure considered heart disease for life insurance? High blood pressure is its own condition, but having it will make you higher risk to insure as it increases your risk of heart disease and stroke.
Declined For Life Insurance? [Learn How To Still Get Life Insurance]
Is high blood pressure classed as an illness?
Hypertension is a serious medical condition and can increase the risk of heart, brain, kidney and other diseases. It is a major cause of premature death worldwide, with upwards of 1 in 4 men and 1 in 5 women – over a billion people – having the condition.
Is high blood pressure a pre-existing condition?
The quick answer to this question is: yes. You should always tell your insurer about your high blood pressure, even if it's being well-managed through medication. High blood pressure is considered to be a 'pre-existing medical condition' by insurers.
Can you get life insurance if you suffer from anxiety?
Yes, it is possible to get life insurance with a mental health condition, but the decision is made based on the nature of the condition and your most recent medical history. We currently offer 85% of customers who have told us about their anxiety or depressions a policy immediately.
Will My Life Insurance Policy Cover Drug Abuse?
Do I need to declare anxiety to life insurance?
You'll be required to provide information about your mental and physical health during the underwriting process. Depending on what you disclose, the insurer might insure you as normal, insure you at a higher premium, or decline your application.
Why can’t I get life insurance with anxiety?
So you could be refused cover or charged a higher premium (the amount you pay to take out an insurance contract). This can happen even if you had a mental health problem in the past but are now recovered.
Can I get life insurance if I have mental health?
Can you get life insurance with a mental health condition? Yes, it is possible to get life insurance with a mental health condition, but the decision is made based on the nature of the condition and your most recent medical history.
