Individuals considering a life insurance policy in Denver, CO, usually start analyzing their health before they speak with an agent. They’re often left wondering whether they will be able to get a policy if they have a preexisting condition or health concern, such as smoking cigarettes.

Preexisting Conditions Don’t Automatically Disqualify You

There is a common belief that you can’t get life insurance if you have a preexisting condition, but this is a myth. There are policies for people with cancer. There are also policies, often referred to as burial expense policies, that many people purchase at the end of their lives to ensure their funeral expenses are covered. Agents at AFI Insurance will work with you to help you find a policy.

Impact on Premiums

Certain health conditions may lead to higher premiums. These include conditions that are likely to be fatal or cause premature death. However, whether smoking will impact your monthly premium depends on the company. It’s important to ask an agent instead of believing common myths.

Honesty Is Essential

It can be tempting to be dishonest with your agent about things like smoking to make sure you can get a policy. However, this can backfire. If the life insurance company finds out you were dishonest, the company can deny a claim on the policy. Instead of loved ones receiving a death benefit, they may receive a denial letter in the mail.

We understand that you want to ensure your loved ones are taken care of after you die. Agents here at AFI Insurance can help. Contact us to discuss your life insurance needs. We’re currently serving the Denver, CO, area.