Here are just some of the ways they obtain life insurance coverage:
An employer who offers group life insurance: Many employers provide free or low-cost life insurance to their employees.
Membership in an association: Many alumni and professional associations give their members access to affordable group life insurance that does not require a medical exam.
A life insurance agent who offers the power of choice: Some life insurance agents, such as WFGInsuranceQuotes.com agents, represent many product providers and can help people with chronic health conditions find a suitable policy.
Premiums may be higher
When not participating in group health insurance, people with serious health conditions usually pay higher life insurance premiums than their healthier counterparts. Depending on the policy, as they start to manage their condition and become healthier (for example, get their blood pressure under control), they can get their policy re-rated so that they can pay lower premiums.