[Quick tip-want to skip the article and find out if you qualify? Call Mike Raines at 678-207-8160 or email mike@specialriskterm.com. Mike has over 30 years experience in the special risk life insurance arena]
How to find affordable burial life insurance with multiple sclerosis?
When researching options for affordable burial life insurance with multiple sclerosis it is important to know what companies actually specialize in this protection.
The best way to find these specialty companies is to work with an independent agent. Independent life insurance agents will typically represent many different carriers.
Your agent can not only compare the pros and cons of each carriers plans, but can also identify which company would offer you the best chance of approval.
When working with an independent life agent it is important to make sure this agent also is an expert in handling individuals with pre-existing medical history.
An experienced and knowledgeable agent in this market, can sometimes save hundreds if not thousands of dollars over the lifetime of the policy, simply by knowing the which particular carrier looks most favorable at multiple sclerosis.
It’s important to understand that all life insurance carriers look at your health and lifestyle differently.
One carrier may be more lenient for diabetics while another may be the best for heart disease. Affordable burial life insurance with multiple sclerosis can often be found with carriers that simply specialize in small face amounts of coverage. These carries may also due a limited amount of underwriting.
Limited underwriting may just include a telephone interview, personal physicians records or a prescription background check.
Often times when trying to find affordable burial life insurance it comes down to simply how well your agent knows the burial life insurance market.
How to find agents who specialize in life insurance with multiple sclerosis?
The best way to locate an agent that specializes in affordable burial life insurance with multiple sclerosis is to search online or ask your property and casualty agency.
Fortunately, you have landed on this site. We are experts at locating the right carrier for your particular situation. Multiple sclerosis can often times be difficult to determine. But, once diagnosed an underwriting life insurance carrier will want to know a few details of your history to determine what risk class you qualify for.
Some of the questions your agent will need to know include:
- Date of first diagnosis of MS?
- Number of episodes and date of last episode?
- Currently taking any medications? If so, what and dosage?
- What is current neuralgic status? Example: Minimal residual impairment, moderate residual impairment, severe residual impairment?
- Have you had MRI and or brain scan? If so, what were results?
- Do you have any other major health problems? I.E. cancer, heart disease, diabetes?
In addition to the information above, it is also important to know how much protection is required, how long you wish to continue the protection and are you interested in guaranteed lifetime rates.
Once the above information is secured, an independent agent can then research the marketplace for those carriers that best fit your situation.
Conclusion-
The main takeaway is the importance of using an independent life agent that specializes in finding affordable life insurance for burial protection. Not all agents work in this very special niche market. Your agent can be your best friend. Use them and all their resources in order to find the absolute best protection for your situation.
If you would like to speak to an expert agent, please contact us at 1-888-393-9003 or mike@specialriskterm.com Thank you for reading this blog and would look forward to assisting you in finding this important protection.
