There are literally thousands of  life insurance companies in America that specialize in insurance of persons with disabilities or health problems. Most of these companies have policies that are  for people who fall under  these three categories. Preservation of life insurance if you have a disability  can be  issued in some of these companies. You have the option of a policy that has both economical and  also provides  the first day of  full-service death  benefit without delay if you are able to make comparisons between  the various companies and their instructions .

Though  there are standards, set  by the States, most of these technical standards for life insurance companies are  self regulated. The insurer may decide to perform better for someone  with  type II diabetes than the rest has to offer. The same applies to a wide range of health and disability conditions.


It is  always difficult to know which companies  offers the best benefits  and will be  able to provide you with  the best service  with  more coverage for less money, unless you have to use a website that has a database of requirements and standards for a number of subscription companies orders. You will find that this is the easiest way to obtain the information that you need to make a well-informed decision, without actually having to apply for life insurance coverage.

 The important point is that life insurance companies have access to the so-called MIB report. MIB stands for Medical Information Bureau. This assessment agency provides only information about the insurer, to help them in order to prevent them from taking high-risk candidates. What this means for you is that the information about all the medications that are prescribed for the last 2-5 years, is available  for the  insurance  companies.

Finally, in many  cases, serious illnesses  are being reported to the MIB. Just make sure, you answer  all health issues  with sincerity  do not   elaborate except you are  specifically requested  for a typical health issue.