Insurance
Certain malaises impact a person's insurability quotient. The inherent risk posed by these ailments makes insurance companies reject their proposals for insurance. However , the fact remains that these individuals are as normal as anyone else is. While they are not risk-free individuals , their ailments do not restrict them from leading normal lives otherwise. Bipolar disorders are an example of such ailments.
An individual approaches an insurance company and admits to suffering from a bipolar disorder. Insurers have a tendency to believe their voluminous database of statistics. According to these statistics , anyone who suffers from a bipolar disorder will commit suicide. Hence , they do not provide bipolar insurance to anyone having this malaise. However , they overlook the fact that there are two types of bipolar disorders i.e. I and II. Bipolar Disorder I is more serious than Bipolar Disorder II. Anyone suffering from Bipolar Disorder I will pose a higher risk. However , an individual suffering from Bipolar Disorder I can obtain bipolar life insurance. Certain insurance companies will consider providing insurance if the individual can prove that:
• The ailment is well controlled and ,
• The individual does not have a history of demonstrating any serious behavioral traits or suicidal tendencies
Bipolar Disorder II is a less volatile disease than Bipolar Disorder I. While the latter can remain a risk throughout life , the former can produce excellent results , if controlled properly.
Another malady that insurance companies avoid is melanoma. These insurers will usually reject any proposal for melanoma life insurance. Usually found on the skin , melanoma can also occur in the eye. Doctors regard it as one of the most malignant forms of skin cancer. The human body comprises certain skin cells that give the skin its colour i.e. melanocytes. By producing melanin , melanocytes protect the deeper layers of the skin from the harmful ultraviolet rays of the sun. In certain cases , the skin could absorb a lot of ultraviolet radiation. This would make the melanocytes produce an excess of melanin. Eventually , the melanocytes will grow abnormally , thereby resulting in cancer. This explains why melanoma life insurance is hard to obtain.
However , this does not mean that no life insurance company provides cover to people suffering from melanoma. If the individual can provide information pertaining to their diagnosis , insurers will reconsider the proposal. Such information includes details like the:
• Age of the individual at the time of diagnosis of melanoma
• Number of years since the diagnosis
• Size of the tumor
• Presence of metastasis
• Presence or evidence of ulceration
• Stage and grade of cancer
• Recurrence of cancer after treatment , if applicable
Based on similar information , insurance companies can provide insurance cover to people suffering from this disease.
At Special Risk Managers (Sydney , NSW) , we know that finding life insurance as a high-risk individual is difficult. Yet , such people need life insurance more than "healthy" individuals do. Hence , we set about providing a specialized service aimed at providing insurance to these individuals. An exclusive arrangement with a like-minded international reinsurance company enables us to provide angina insurance , bowel insurance , overweight insurance and murmur insurance. Thus , if you have tried to obtain an insurance everywhere and failed , give us a call at +1300 66 53 56. With us at your side , finding insurance will not be a problem.
Artісlе Sоurсе: httр://EzіnеArtісlеѕ.соm/8205185 Sumber https://mediateknol.blogspot.com
Malaises That Make Life Insurance
Mаlаіѕеѕ Thаt Mаkе Lіfе Inѕurаnсе
Hаrd tо GеtYоu mіght соnѕіdеr thаt оbtаіnіng lіfе іnѕurаnсе іѕ vеrу еаѕу. All уоu nееd tо dо tо gеt аn іnѕurаnсе іѕ tо fіll uр а рrороѕаl аnd ѕubmіt thе rеԛuіѕіtе dосumеntаtіоn. Thе undеrwrіtеrѕ аt thе іnѕurаnсе соmраnу wіll dо thе rеѕt. Altеrnаtіvеlу , іf уоu dо nоt wаnt tо еxеrt уоurѕеlf tоо muсh , уоu соuld соnѕіdеr vіѕіtіng уоur іnѕurаnсе аdvіѕоr. Thе аdvіѕоr wіll gіvе уоu vаrіоuѕ орtіоnѕ fоr оbtаіnіng lіfе іnѕurаnсе. Mоѕt реrѕрісасіоuѕ іnѕurаnсе аdvіѕоrѕ wіll аlѕо аdvіѕе thеіr сlіеntѕ аbоut thе рrоѕ аnd соnѕ аѕѕосіаtеd wіth еасh роlісу. Dереndіng оn thе сlіеnt'ѕ rеԛuіrеmеntѕ , thе аdvіѕоr wіll rесоmmеnd а lіfе іnѕurаnсе роlісу. Thе аdvіѕоr wіll ѕubmіt thе рrороѕаl tо thе іnѕurаnсе соmраnу , wіth thе rеlеvаnt dосumеntѕ. Hоwеvеr , dіd уоu knоw thаt nоt еvеrуоnе іѕ аѕ luсkу whеn іt соmеѕ tо оbtаіnіng lіfе іnѕurаnсе? Sеvеrаl реорlе kеер rесеіvіng rеjесtіоnѕ еvеrу tіmе thеу аррlу. Furthеr , thеѕе реорlе dо nоt роѕѕеѕѕ hаbіtѕ іnjurіоuѕ tо hеаlth і.е. ѕmоkіng оr еxсеѕѕіvе соnѕumрtіоn оf аlсоhоl еіthеr. Nеіthеr dо thеу wоrk іn hаzаrdоuѕ оссuраtіоnѕ. Dеѕріtе thіѕ , fіndіng lіfе іnѕurаnсе rеmаіnѕ аn uрhіll tаѕk fоr thеm. Whаt mаkеѕ іt wоrѕе іѕ thаt thеѕе реорlе nееd lіfе іnѕurаnсе mоrе thаn rеgulаr humаn bеіngѕ.
Certain malaises impact a person's insurability quotient. The inherent risk posed by these ailments makes insurance companies reject their proposals for insurance. However , the fact remains that these individuals are as normal as anyone else is. While they are not risk-free individuals , their ailments do not restrict them from leading normal lives otherwise. Bipolar disorders are an example of such ailments.
An individual approaches an insurance company and admits to suffering from a bipolar disorder. Insurers have a tendency to believe their voluminous database of statistics. According to these statistics , anyone who suffers from a bipolar disorder will commit suicide. Hence , they do not provide bipolar insurance to anyone having this malaise. However , they overlook the fact that there are two types of bipolar disorders i.e. I and II. Bipolar Disorder I is more serious than Bipolar Disorder II. Anyone suffering from Bipolar Disorder I will pose a higher risk. However , an individual suffering from Bipolar Disorder I can obtain bipolar life insurance. Certain insurance companies will consider providing insurance if the individual can prove that:
• The ailment is well controlled and ,
• The individual does not have a history of demonstrating any serious behavioral traits or suicidal tendencies
Bipolar Disorder II is a less volatile disease than Bipolar Disorder I. While the latter can remain a risk throughout life , the former can produce excellent results , if controlled properly.
Another malady that insurance companies avoid is melanoma. These insurers will usually reject any proposal for melanoma life insurance. Usually found on the skin , melanoma can also occur in the eye. Doctors regard it as one of the most malignant forms of skin cancer. The human body comprises certain skin cells that give the skin its colour i.e. melanocytes. By producing melanin , melanocytes protect the deeper layers of the skin from the harmful ultraviolet rays of the sun. In certain cases , the skin could absorb a lot of ultraviolet radiation. This would make the melanocytes produce an excess of melanin. Eventually , the melanocytes will grow abnormally , thereby resulting in cancer. This explains why melanoma life insurance is hard to obtain.
However , this does not mean that no life insurance company provides cover to people suffering from melanoma. If the individual can provide information pertaining to their diagnosis , insurers will reconsider the proposal. Such information includes details like the:
• Age of the individual at the time of diagnosis of melanoma
• Number of years since the diagnosis
• Size of the tumor
• Presence of metastasis
• Presence or evidence of ulceration
• Stage and grade of cancer
• Recurrence of cancer after treatment , if applicable
Based on similar information , insurance companies can provide insurance cover to people suffering from this disease.
At Special Risk Managers (Sydney , NSW) , we know that finding life insurance as a high-risk individual is difficult. Yet , such people need life insurance more than "healthy" individuals do. Hence , we set about providing a specialized service aimed at providing insurance to these individuals. An exclusive arrangement with a like-minded international reinsurance company enables us to provide angina insurance , bowel insurance , overweight insurance and murmur insurance. Thus , if you have tried to obtain an insurance everywhere and failed , give us a call at +1300 66 53 56. With us at your side , finding insurance will not be a problem.
Artісlе Sоurсе: httр://EzіnеArtісlеѕ.соm/8205185
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