Whether you’re healthy or have been seriously injured, we can help you find the life insurance policy you need.
We’ll look at some of the most pressing issues facing our heroic veterans and give you the answers to your most pressing life insurance questions.
There is a policy out there that will suit everybody.
Let’s start right off and say that healthy veterans who have no lasting physical or emotional injuries will simply be eligible for the same types of life insurance policies available to everybody else, and at the same rates.
Life Insurance Policies for Injured Veterans
Let me say right off that I specialize in helping people with serious health disabilities. As an independent agent I know which companies are more lenient than others when it comes to underwriting anyone who has health issues.
So, if you’ve been turned down by a company or have become discouraged, then I urge you to give me a call so we discuss your particular situation.
Here are some of the most war related and health issues faced by our returning veterans.
PTSD (Post Traumatic Stress Syndrome)
The emotional scars inflicted by the tragedy and horror of war, and any other form of traumatic incidents can leave you with lasting emotional problems that can dog you for life.
Some vets are able to cope better with PTSD than others and can function as well as anyone else. Others have a much deeper psychological trauma that impacts their daily lives.
The bottom line when it comes to how life insurance companies rate someone with PTSD is simply dependent on the degree of the disability.
If you have relatively mild PTSD, and by that I mean you can cope quite well and only need one type of medication, then you will likely qualify for ‘Standard’ rates in most instances.These aren’t the best rates available but they are from being excessively more expensive.
If your PTSD is much more severe and you are taking a variety of medications, and receiving regular psychological or psychiatric treatment while being off on disability then you are likely to receive a lesser rating than standard. It will all depend on the medical evaluation received by the insurance company, the medications you are on and you’re overall health situation.
It means basically that we would have to look at your individual situation on a case by case basis as each situation is going to be different.
The point is that regardless of the degree of disability you have from PTSD there is some form of affordable life insurance available for you, and it’s just a matter of finding the right company with the right policy to match your particular individual needs.
Life Insurance and Physical Injured Veterans
Asides from the emotional impact that can affect a veteran there are also the many forms of physical injuries that can affect the daily lives of our veterans.
The range of injuries is so varied that I can mostly generalize about how the insurance companies will rate you as each situation will be unique.
In many instances, the physical injury you incurred will also be rated in different ways by different life insurance companies.
How you are rated will more or less depend on how well you able to function, what sort of treatment you are receiving, and in some instances the state of your future prognosis.
The more you can function in being able to look after yourself such as being able to drive, bathe yourself and prepare meals and whatnot, the better your rates.
Loss of limbs or amputations can be viewed differently by different companies. A loss of a portion of a finger can be viewed differently than the loss of both legs for example. But, even a double amputee can be quite functional these days given the advancements in prostheses available.
Another common injury with many veterans is Tinnitus. There are plenty of avid weekend game hunters and firearm users who are in the same boat. Most of these individuals will get the same rates as everyone else so long as their brain scan is clean.
Head injuries and severe burns could be a bit more problematic but it may depend on the degree and extent of the disability, treatment and how well you can function.
Bottom Line for Veterans
The main thing to remember is just because one or two life insurance companies turned you down or wanted to charge a premium that was too costly, don’t be discouraged. There are hundreds of life insurance companies and they are not all the same.
There are also many different types of policies and regardless of your service related injury, there is something available for you.
How to Find Affordable Life Insurance for Veterans
You always want to talk to an independent agent like myself. We can access and research dozens of companies so you are assured we will find the best policy at the most affordable rates. If you have health concerns, don’t let that dissuade you because we can give you valuable advice and help you to find a policy that suits you.
Whatever your needs or questions then please call me direct at 877 – 966 – 9383.