How does a pre-existing condition affect life insurance?
A pre-existing health condition such as heart disease, stroke, weight, cholesterol, cancer, high blood pressure, diabetes, pre-diabetic, kidney and liver disease in itself might not be a reason for declined life insurance.
The life insurance broker knows how the different insurance companies define pre-existing conditions and how pre-existing health conditions are dealt with on a case-by-case basis by life insurance companies.
Life insurance is a legal document and you have a legal duty of disclosure.
An independent, trustworthy insurance broker has the know-how and experience to quote you the best life insurance deal from the top life insurance companies in New Zealand.
Honesty is the best policy.
It might be tempting not to disclose a medical or health condition.
Be open and honest to your life insurance broker, and in return the broker works for you to quote you the best policy that suits your needs.