Can You Qualify for Life Insurance with Anemia?

There are many factors to consider when you are applying for life insurance. Your insurance company will want to know about any risks they are taking, should they decide to provide coverage. This is why they will want to have a good understanding of your general health and fitness.  This may also include questions about your family health history.

life insurance with anemiaWhile it’s true that there are some health issues that will disqualify an applicant from qualifying for life insurance coverage on the spot, there are other chronic conditions that won’t. Some medical conditions will only result in the consumer having to pay a higher premium in compensation for the increased risk. If you have anemia, then this will probably be the case for you.

When you apply for life insurance with anemia, the insurance company will require you answer questions about your health. Some examples of typical questions include:

  • When your anemia was first diagnosed?
  • What is the root cause of your anemia?
  • Have you suffered any symptoms in the last six months, and if so what were they?
  • Have you ever been hospitalized because of your condition?
  • Can you provide the results of your most recent lab tests?
  • Are you taking any form of iron supplement or prescribed medication to treat your anemia?

Final Steps for Getting Life Insurance with Anemia

More than likely you will also be required to take a medical exam by any potential life insurer. This will include the submission of both blood and urine samples. Your samples will be tested for any health conditions that the insurance company will consider risky. After all of your information has been submitted, the insurer will make a decision on whether or not to approve the policy.  Always be honest about any medical conditions you have when applying for coverage. If you are found to be dishonest, it will result in immediate disqualification.

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