What Tuberculosis Is And How To Get A Life Insurance with TB history
Tuberculosis is a pulmonary infection which happens in your lungs by inhaling the bacteria through the tiny droplets from the sneezes or coughs of an infected person. We recommend speaking to one of our advisors for this particular condition. A specialized advisor will gather information and help you get the best life insurance policy if you have a history of tuberculosis.
The cost of Life Insurance policy
Just like other medical conditions and disease, an underwriter may look over a lot of information before approving the policy cover. It all depends on how badly has Tb affected you and if you have any symptoms or other medical conditions associated. If you have no symptoms then your premium rates will not increase. But if the case is that your lungs have been affected then you can expect a postpone of 6 months before applying for life insurance cover and premium rates might also increase a bit.
One can get Index Linked Life insurance policy when they have been diagnosed with TB of £320,000 and £20,000 of critical illness cover over 20 years with a £38.99 monthly premium.
What Are The Benefits Of Having A Life Insurance If You Have A History Of TB?
If you apply for a TB life insurance policy by yourself, you may be declined, postponed for 3-6 months or subjected to higher premiums. The reason for having a life insurance policy is to ensure a bright financial future for your family and you should not have any hard times trying to do that. A specialist will ensure that underwriters grasp your situation thoroughly and make offers according to your situation. You should keep in mind that, having a trustworthy advisor by your side, your application process will go more smoothly and you will get affordable life insurance policy premiums with the right cover.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00