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8607 Roberts Drive, Suite 150 Sandy Springs, GA 30350-2237

(770) 518-8272phone    (770) 518-3310fax

8607 Roberts Drive, Suite 150 Sandy Springs, GA 30350-2237

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Life Insurance

 

Life InsuranceMany people include life insurance in their financial planning.  Some people with bleeding disorders have trouble finding life insurance.  Companies are reluctant to insure someone with a chronic health problem.  However it is possible for most people with VWD or a platelet disorder to find life insurance.

Here are some guidelines for seeking coverage:

  • You should buy life insurance as soon as you can afford it.  The younger you are when you buy it, the less it will cost.
  • You should think about buying the most insurance you can afford.
  • Your spouse's employer may offer options to purchase life insurance.  Parents may be able to get life insurance for a child through their employers.
  • Some national service and professional organizations offer life insurance to their members.  The dues to join are often worth the benefit of getting the coverage.
  • Local and state school systems may offer life insurance programs to students.
  • Other people with bleeding disorders or long-term health problems may be good sources of information.  Friends and relatives are often willing to share names of their companies.
  • The local hemophilia organization or HTC may have up-to-date information on insurance matters.
  • Insurance agents, often those who work with large companies, can help explain insurance options.  The best agent is one who shows a commitment to helping his or her client find coverage at a fair price.  The agent should explain the different types of life insurance, such as whole life or term.