Moving House and Awaiting Hospital Appointments – Need Advice
Hi everyone,
I’m reaching out for some guidance. I’m scheduled to move house next week and need to secure a new life insurance policy that aligns with the new (decreasing) mortgage amount. However, I was hospitalized last week and received a couple of abnormal ECG results, so my doctor has recommended some scans to investigate further. I’m still waiting to receive the details for these appointments.
I’m feeling uncertain about how to proceed with obtaining a life insurance policy given that I might have a health condition that needs to be disclosed.
Does anyone have advice on what steps I should take? Will any insurers consider my application while I await these important scans and potential results?
Thanks in advance for your help!
Hi there,
It sounds like you’re in a bit of a tricky situation. When it comes to taking out a life insurance policy, insurers typically want to know about any existing health conditions or ongoing medical investigations. Since you’re awaiting scans following those abnormal ECGs, it’s important to be upfront with any potential insurers about your current health status.
Here are a few steps you can consider:
Consult with Insurers: Reach out to several life insurance providers to discuss your situation. Be honest about your recent hospital visit and the pending scans. Some insurers may offer coverage with exclusions or higher premiums based on your health condition.
Ask About Temporary Cover: Some insurers provide temporary life insurance policies that can give you peace of mind during this waiting period, though coverage may be limited.
Consider a Broker: A broker can help you navigate the options available and find a provider that may be more willing to offer you coverage despite your current health concerns.
Document Everything: Keep records of your appointments and any communications with healthcare providers, as this information may be helpful during the application process.
Wait for Results: If possible, you might want to wait until you have the results of your scans before applying for a new policy. This could provide you with a clearer picture of your health and potentially give you better options.
Overall, the key is to be open about your circumstances. Best of luck with your move and your health appointments!