Life Insurance, Recommendations

[Darlene]

can u get life insurance if u have a medical condition (dysautonomia)? if so, do you's no of anyone i can go through.

[RunningWild]

I was denied by my work's provider because of my POTS diagnosis.

I haven't started looking elsewhere yet.

[firewatcher]

Here is a nice article explaining chronic illness and life insurance:

http://www.investopedia.com/articles/pf/08/get-life-insurance.asp#axzz1ua5BTEY5

There is a huge difference between life insurance and health insurance, so your chances are better at getting life insurance since POTS is not supposed to shorten your lifespan (just your quality of life. )

Before you go off and get life insurance though, you need to ask yourself WHY you need it! Do you have small children or an income that would need to be replaced if you die? If you have no dependants, you probably don't need insurance! It may be expensive if you do need it and the underwriting will be tough (expects lots of paperwork and medical exams) but if your POTS just makes you miserable and does not put you at risk (and you can prove that) then you may be able to get it. There are policies out there specifically for the chronically ill, but they are usually low value, short term policies (which may be all you need.)

Good luck and keep us posted as to what you find out.

[bellajulz]

I called several companies and was denied since I am a fainter and with head injuries being a huge risk for death . Was very disappointing, but hopefully if your not a fainter you should have better luck.