How to get affordable life insurance premium for heart patients

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How to get affordable life insurance premium for
heart patients
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• It is easy to get a
  life insurance policy for healthy people without
  any pre-existing condition. However, if an
  individual have suffered a heart attack find it
  very difficult to get life insurance and at an
  affordable price.

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• Some companies do offer term insurance for
  people having suffered a heart attack but they
  charge a higher price. But mostly it is the only
  way to get coverage by paying little higher
  premium. It is not advisable to remain without
  insurance as life insurance is must to have to
  provide financial protection to your dependents.
• It is very important that at the time of applying
  for a life insurance policy that you disclose all
  your medical condition honestly or else your
  claim may be rejected.

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• Despite having heart condition, still you can get
  affordable insurance premium rates by searching
  online. Different insurance companies have
  different parameters to charge premium. Companies
  also look at whether you also have other high
  risk health conditions. Severity of the heart
  condition and if the condition is being properly
  treated is the basis to get life insurance cover
  and at an affordable price.
• People may find it easier to obtain affordable
  life insurance premiums after waiting for a
  significant time after the heart attack. As
  insurer will take into account how well the
  condition is being treated, the treatment is
  working for the patient or not etc

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• If you are taking steps to prevent future
  problems, you are likely to get lower insurance
  premium. Individuals that smoke, are obese or
  suffer from sedentary lifestyles have higher
  chance of denial or being offered significantly
  higher premiums than those who dont. So, lead a
  healthy life and save on your insurance premium.

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