Can You Get Life Insurance With Parkinson’s?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Getting Life Insurance With Parkinson’s

If you have Parkinson’s and want life insurance, insurers will mainly look at two things: how long you’ve had the disease and how severe it is.

  • How Long You’ve Had Parkinson’s: This matters because it gives insurers a sense of how the disease is progressing.
  • Severity of Symptoms: Insurers aren’t too worried if your symptoms are mild, like just some hand tremors. But if you need help walking or have serious problems because of your Parkinson’s, getting coverage might be harder.

Why We Recommend Whole Life Insurance

Whole Life insurance is a good bet for folks with Parkinson’s. Why? It covers you for your whole life and has a cash value that grows over time. This can be really handy later on, especially if you need money to help pay for care.

If You Get Turned Down For Life Insurance

Don’t lose hope if you get turned down for traditional life insurance. You’ve got options:

How We Can Help

At The Annuity Expert, we understand the challenges of securing life insurance with Parkinson’s. We’ve been an insurance agency, annuity broker, and retirement planner for 15 years, dedicated to finding the best solutions at the lowest costs. We know that living with Parkinson’s brings unique difficulties, and our goal is to provide you with the support and guidance you need to make informed decisions.

We believe in transparency and personalized service. We fight for our clients to ensure they get the best possible coverage without unnecessary costs. We understand your concerns and are here to help you navigate the complexities of life insurance, ensuring you feel valued and supported throughout the process.

Life Insurance With Parkinsons

What We Recommend

Step 1: Initial Consultation

The first step is to schedule an initial consultation with us. During this meeting, we will discuss your specific situation, including the duration and severity of your Parkinson’s symptoms. The main benefit of this step is understanding your needs and preferences clearly, which will guide us in finding the best insurance solutions for you.

Step 2: Personalized Policy Recommendations

After our initial consultation, we will provide personalized policy recommendations tailored to your unique situation. We’ll explain the details of each option, including whole life insurance, guaranteed issue policies, and fixed-indexed annuities with GWLB. The main benefit of this step is having a range of options that cater to your needs, giving you peace of mind.

Step 3: Policy Implementation And Ongoing Support

Once you’ve chosen the right policy, we’ll assist you in the application process and ensure a smooth implementation. We’ll also provide ongoing support, helping you make any necessary adjustments as your needs evolve. The main benefit of this step is knowing you have a trusted partner who will be with you every step of the way, ensuring your coverage remains optimal.

By working with us, you’ll have access to expert advice, tailored solutions, and continuous support. Our features include personalized consultations, comprehensive policy comparisons, and dedicated assistance throughout the policy’s life. These features ensure you get the best coverage and feel confident in your financial security.

Common objections might include concerns about higher costs or the complexity of the process. We address these by offering clear explanations and finding the most cost-effective solutions. Not working with us could mean missing out on the best coverage options and personalized support, while partnering with us ensures peace of mind and financial security.

Take control of your future today. Contact us for free advice or a quote, and let us help you navigate the world of life insurance with Parkinson’s.

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Questions From Our Readers

Can you buy an annuity with Parkinson’s?

Yes! You can purchase an annuity with Parkinson’s. If you have been denied a life insurance policy, a fixed-indexed annuity with a guaranteed lifetime withdrawal benefit is a great option. An annuity can be a supplement on top of a life insurance policy as well.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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