I had a kidney transplant 18 months ago and I am healthy and stable. When would I qualify for a life insurance policy?
Stable health, no admissions or illness since then.
Answers | 7
Some specific info would be needed to get the best answer, but one way to approach the issue would be to take all of your info and put it in front of multiple carriers on an informal application to see what the responses would be. Notice the phrase "informal application"? It simply means that carriers will comment on what they might do without a risk of decline (which happens when there are formal applications and no coverage is offered due to mortality risks). You will want them to "scratch the surface a bit" to offer their comment. What is needed from you so that they may do a bit of discovery? Medical records, personal health history, present diagnosis, medications, future prognostications by your doctors, etc.