I am 40 and suffering from a severe blood pressure problem. Can I buy a life insurance policy?
Shakun Gupta, Noida
There is nothing that stops you from buying life insurance policy; not even a high blood pressure. However, life insurance companies do cover people who may not have optimum health conditions. Once you submit your proposal, it will have to be approved by the underwriters. The underwriters will consider the proposal based on the actual condition of your health reflected in the medical reports prepared by their panel of doctors. Depending on your medical reports, the insurers may issue a cover that may be subject to special terms and conditions. Premium chargeable may also be somewhat higher than that for other people. They may also decline a cover, if they feel there is a higher risk in insuring your life.
