As we get older, medical ailments may enter our body. While there are several precautions one can take to lead a healthy and long life, but certain ailments come uninvited.
Cervical Spondylosis is one of them! It can be caused by old age or even by performing repetitive tasks day in and day out. When you decide to apply for life insurance, it may seem like a daunting task. You are worried about all the questions the insurance agent may ask!
Always follow one rule before buying a policy and that is to speak the truth! By being truthful in your application, there are 100% chances that the beneficiary will get the Cervical Spondylosis insurance claim.
Lying about your medical condition could make it difficult for the beneficiaries to claim the payout. Moving on, let’s find out whether the premiums get affected by this medical condition or not.
Will The Premiums Be Higher?
It depends on the severity of Cervical Spondylosis condition. If the prospective policy buyer is not showing any life-threatening symptoms and is stable, then the insurance company will provide you the life insurance at standard rates.
The prospective policy buyer should not be under the influence of strong medications.
The premiums will be higher in case the condition is severe. In severe cases, the insurance agents check with your doctor about the medications you take and the current health condition.
The Best Solution
Speak to the insurance agent. They will assess your medical condition and then be able to provide the best solutions.
In severe cases, your application may get denied, but many specialist insurers can help you out.
If you are paying slightly higher premiums, your family is still getting the cover once you leave the world.
It will act as a financial cover when you are gone.
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