Life insurance underwriting for influenza (the flu):

Influenza (the flu) is a contagious virus that affects the respiratory system, and is caused by type "A" or type "B" flu viruses.  Recently, I'm sure you have read the news about the swine flu.  The Swine Flu is a type "A" virus transferred from from Swine (pigs) to humans.

Overview:

 

The flu does not typically affect life insurance underwriting but it is important to note that you need to have recovered from the flu before going through underwriting. 

 

The reason why it is so important to have recovered from the flu before applying for life insurance is that the virus may skew your lab results from your paramed exam......before you know it, the insurance companies will think you have a more serious health issue...waiting until you have recovered is the best advice!

 

  What to expect from life insurance companies:

Life insurance underwriting after recovery from the flu is a non-issue.  The best rates will be available if you otherwise qualify. 

    If you do go through underwriting after you have had the flu, make sure you let your life insurance agent know, make sure you inform the paramed  examiner at the time of your paramed exam.  If underwriters are aware that you had the flu, and some of your lab results come back elevated, there is an explanation that gives the underwriter the ability to make an informed decision about you and not penalize you with a more expensive rate.

 

At LifeInsuranceAdvisors.com, our service is a no pressure, no obligation service. We'll give you the information you need to make an informed decision about your life insurance. Call us today at Toll Free (800) 909-2040. Thank you.

 

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