Aug 29
Am I uninsurable?
There are some medical conditions that are generally considered uninsurable when it comes to life insurance. Here is a quick list of some definites. However, be sure to check with a life insurance agent for various options like an accidental death benefit in which you may still be able to qualify.
1. AIDS or HIV positive status
2. Alcoholism treatment within two years
3. Aneurysm present
4. Coronary disease where applicant has not returned to work since the occurrence or where there has been recent congestive heart failure.
5. Drug addiction
6. Certain types of cancer, especially if you areapplying within one year of diagnosis or cessation of treatment, or if cancer is matastatic or recurrent
7. Kidney dialysis treatment
8. Certain psychotic disorders (some disorders will be accepted if they are in remission)
9. Recent or multiple suicide attempts
(No Ratings Yet)
Loading ...
Print This Post
August 30th, 2007 at 12:14 am
I am surprised to see alcohol treatment (within the past 2 years) on the list. Is this because the insurance companies see high rates of recidivism with alcoholic clients, or is it because of the attendant health risks to which alcohol abuse can lead? I should imagine that alcohol treatment would be considered a good thing, overall, compared to leaving an addiction untreated!