Move Ahead With Life Insurance Despite Your Medical Conditions
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Only rarely do you come across someone in the pink of health. This does not mean that the person does not suffer from the usual aches and pains. It does not mean that the person has a higher immunity to fevers and other ailments. It essentially means that a large number of people suffer from serious medical conditions. Consider the following numbers generated by the National Heart Foundation of Australia. According to the Foundation:

• Cardiovascular diseases kill one Australian every twelve minutes

• In 2011, cardiovascular diseases caused the death of 45,600 people (contributing to 31% of all deaths in the year)

• Cardiovascular diseases affect two out of every three families or one in every six individuals

• Coronary heart diseases affect the lives of around 1.4 million Australians

• Coronary heart diseases cause one fatality in Australia, every 24 minutes

• Coronary heart diseases claimed the lives of over 21,500 Australians in 2011

• Around 55,000 Australians suffer heart attacks annually

• In 2011, 9,811 Australians succumbed to heart attacks

Further, consider these statistics shared by the Australian Bureau of Statistics.

• One in five Australians (aged between 16 – 85 years) suffered from a mental disorder at the time of taking the survey in 2007

• Of these, 6% suffered from affective disorders like depression

• Obesity and the tendency of being overweight impacts 62.8% of the adults in Australia (Australian Health Survey, 2011-12)

These numbers indicate that several individuals suffer from what insurance companies define as “serious medical conditions”. In this scenario, how would such a large proportion of the population purchase life insurance? Given the increased levels of risk they bear, surely no insurer would consider accepting their insurance proposal. Yet, insurance companies do provide life insurance to people with pre-existing medical conditions.

If you seek coronary life insurance or overweight life insurance, the likelihood of rejection increases. However, this does not mean that you cannot buy life insurance. Such people tend to believe that they cannot get depression life insurance or overweight life insurance. However, nothing could be further from the truth. The risks associated with people suffering from diabetes or heart diseases are undoubtedly higher. However, insurance companies will seldom abandon such a large percentage of the market. Therefore, depending on the circumstances applicable in your case, you could receive an approval for bipolar life insurance or chronic life insurance. Further, insurance companies keep adding new products that balance the risks and the benefits. Therefore, the likelihood of finding a product that is apt for your circumstances keeps increasing with time.

Some insurance providers cover special diseases and offer specific insurance products to their clients. Therefore, one specific insurer could specialise in offering bipolar life insurance or melanoma life insurance. Thus, if you approach this insurer with a pre-existing condition of depression or any other mental ailment, your chances of rejection increase. The lesson to learn here is that one rejection does not denote a complete rejection. A quick conversation with insurance agents can give you an array of choices. There will certainly be one among them, who can cover your specific condition.

Special Risk Managers seeks to help people suffering from serious medical conditions find insurance cover. People suffering from chronic ailments and conditions need insurance more than healthier individuals do. However, they face rejections from insurers more often than not. At Special Risk Managers, we provide a specialised service that negates this problem. Our exclusive tie-up with an international reinsurance company enables us to insure people who feel that they are uninsurable. It comes as no surprise that our list of clients includes people suffering from various life-threatening illnesses. In fact, some people to whom we provided insurance, suffered from cancer, stroke, epilepsy, heart attacks, Crohn’s Disease etc. Further, we do not just provide life insurance. In some cases, we also provide income protection and trauma insurance. Besides, our aim of cover does not extend to those suffering from physical illnesses only. We also provide cover to those suffering from mental disorders like depression. People suffering from alcohol or drug abuse have also availed of our expertise and found insurance protection, based on their specific situation.

Given the enhanced levels of success we have enjoyed in providing insurance to people classified as being high-risk, we could well provide you with the insurance you seek. In our opinion, life is the greatest risk of all. In fact, we often find that reality is stranger than fiction. Given this background, give us a call at +1300 66 53 56 if you have a family member with a chronic health condition. We could well be the one-stop solution to all your insurance woes.

Angus Leonard writes articles about life insurances and for more information about the services offered visit Specialriskmanagers.


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