Knowing that you need to undergo surgery can be threatening, as you might be worrying about the complications and risks resulting from it. Although the surgery is safe and done by an experienced doctor, mistakes can happen, or your body may overreact to the injected medications or anesthesia. So, as a precautionary measure, you can buy life insurance before having surgery. This will help financially protect your family post-surgery if anything unfortunate happens to you. However, knowing the benefits and risks of buying life insurance before surgery is crucial to make an informed decision.
If you are about to undergo major surgery, you may be dealing with a serious injury or chronic medical condition. So, life insurance companies will likely consider your health to determine your premiums. Generally, your premiums will be low if you are in good health. However, getting surgery means your health is unstable, so they may charge you higher premiums.
Also, getting life insurance can be inconvenient and time-consuming, as you must undergo a detailed medical examination and complete more paperwork before your application is approved. Besides, you have to be ready to pay higher premiums. If you have decided to buy life insurance keeping in mind the complications of your surgery, you can better talk to your surgeon to get more insights into it.
You can also express your concerns and inconvenience about your surgery so that your surgeon can help address them. Moreover, surgeries are quite safe these days so you don’t need to worry about the risks. Ensure to follow your surgeon’s instructions to be well-prepared for the surgery while minimizing the possibility of complications.
If you want to buy life insurance despite the above consequences, look for specific options, including policies that don’t require a medical exam. For example, you can buy burial policies, designed for older people and only provide death benefits.
It is good to buy life insurance before you start experiencing medical problems. The better your health, the lower your premiums will be. Also, your premiums will remain the same until you keep that policy (you bought when you are in perfect health) active. So, even if you develop any health conditions in the future, you don’t have to pay higher premiums.
You should not provide fake information about your medical history on your life insurance application. This is deemed insurance fraud, and if you are caught lying about your medical condition, you will be denied coverage for a long period.
Many people deny buying coverage when they are young with good health just because of the cost factor. Nonetheless, life insurance for young people is very affordable. So, rather than buying before having surgery, buying it when you are young is a way to save on your premiums while staying covered during and beyond potential medical care, including surgery.
At John E. Peakes Insurance Agency, we offer comprehensive life insurance that ensures that your family and dependents will be financially protected, sustaining their current standard of living even in your absence. Contact us today to find the right life insurance policy that offers extensive protection.
