Reader’s Question:

I want to buy life insurance here in San Antonio, Texas TX but I’m not sure if I fit the requirements. They say that life insurance have limits in terms of health conditions of the applicants, is this true? What are the cases when I won’t be qualified for life insurance in Texas?

Henry

San Antonio, Texas TX

It is true that health is indeed one important factor in life insurance. Health conditions may be limits in accepting and rejecting application in San Antonio, Texas TX. It does not mean though that a person who is unhealthy will never get life insurance.

Today’s competition and advancement in products, even in San Antonio, Texas TX, life insurance companies have already developed products that meet specific needs of individuals, including those with medical conditions who used to be uninsured in the past. There are already life insurance that caters to both for the healthy and the unhealthy group.

Generally speaking, life insurance companies in San Antonio, Texas TX are stringent with individuals who smoke, have heart condition or diseases, involved in risky sports, are overweight and are involved in risky occupations, but there are life insurance companies who offer products that cater to these particular conditions.

To illustrate this, although a smoker may not be acceptable for a regular term life insurance, he or she can still own smoker life insurance in Texas. This type of life insurance policy is specifically designed for different classes of smokers. If you have health problems and want to buy life insurance, look for a company in San Antonio, Texas TX that offers a life insurance product for your specific condition. You can start by talking to an independent agent who has access to several life insurance companies in TX.

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