Sarcoidosis is not a popular health condition in the public domain. Only a few people have it – 1 in 10, 000 individuals in the U.S. Even though it is commonly associated with African-Americans and Caucasians, this does not mean life insurance companies are not aware of the risks such health condition poses to their business model. In any case, if you have sarcoidosis and planning to provide financial support for your loved ones when you are not more, here are the truths you need to know about life insurance with sarcoidosis.
- A vast majority of life insurance companies will provide coverage for you if you have sarcoidosis.
- You can qualify for either temporary or permanent life insurance, too
- Remember, all life insurance companies have different life insurance quotes. That is, the quote which Life Insurance Company A will give you will be different from that which Life Insurance Company B will offer you.
- You are likely to pay more premium than someone without this illness
- The premiums you will pay is directly proportional to the level of severity of your sarcoidosis.
- If you have sarcoidosis, you are likely to undergo a medical exam.
- Questions your underwriter will ask you during the medical exam include the remission dates, required treatments, medications, organs affected, the date of diagnosis, and the age of diagnosis.
- The answers you provide to those questions will determine your life insurance quote, too
- You would be able to save costs and get a fair deal if you see the service of an independent life insurance agent.