My baby was born with cystic fibrosis. Where I can get life insurance for him? He is very healthy right now (and always has been).
If you are looking for a policy to cover final expenses, you can contact your insurance agent and add your baby as a rider to your own life insurance policy. These are from $5,000-$10,000 and usually do don;t cost much.
There are always some questions that need to be answered when you apply for life insurance. But, there are also some guaranteed issue life insurance plans that may be available.
However, if you don't disclose the illness, then it may void the life insurance policy, if your child dies as a result of the health condition.
Also, now the information is in medical information bureau, so every life insurance company will know, so no point in lying about the condition.
Some life insurance companies that issue guaranteed issue policies are Mutual of Omaha, and Globe Life.
Keep in mind, they usually won't pay out unless the insured person lives at least two years after the policy is taken out.
Globe Childrens Life Insurance offers up to $30,000 of life insurance without any physical exam required. You can get a quote and apply for a policy online.
Insurance without any Medical Exam,
Just a Few Health Questions.
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