When applying for life insurance, many companies will require you to take a physical exam and ask you to fill out a questionnaire regarding your lifestyle. Ill health and habits such as smoking often result in higher insurance premiums. If an insurance company feels that you are too great a risk, they may deny you coverage altogether. However, there are many companies who offer policies specifically developed for people with poor health. While the cost for coverage may be higher than many average premiums, it may be worthwhile if you must provide for dependents or funeral costs. Remember, it is always important to be truthful when filling out an insurance application. If you fail to notify your insurance company about a pre-existing condition, they may cancel your policy. For more information, contact an insurance company or agent.
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