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If you have an active life insurance policy or have thought about getting one lately, there’s probably a good chance you’ve wondered if your death would be covered should you pass away from COVID-19 or a future widespread illness. It’s a reasonable concern because under normal circumstances, a life insurance payout can cover all or a good chunk of your debts so that your family can benefit from as much of your remaining estate as possible.

It’s unlikely that your life insurance policy will be affected by COVID-19 as long as you provided truthful and accurate information about yourself and your health. Prior to COVID-19’s outbreak, information like your age, sex, pre-existing conditions, and even occupation might have been the most important factors when determining your premium. While these are still as important as ever, certain pre-existing conditions, a wider spectrum of occupations, tobacco use, and even where you live can play much larger roles in determining what you pay each month than before.

If you were or are providing inaccurate or untruthful information about these things, you may run the risk of jeopardizing a payout for your family should you pass away from COVID-19 or a future pandemic. While it’s good to know that life insurance companies aren’t likely to explicitly refuse coverage for a COVID-19 death, they may be inclined to do so if a policyholder wasn’t totally honest about their health or other facts when they signed on.

Do You Have More Questions about Life Insurance?

If you have specific questions about life insurance and how you and your family can benefit from a policy during this time, Insurance Specialists, Inc. can help. We can help you determine if now is the right time to take on a policy depending upon your circumstances, or if you have the job security that providers are looking for. We can also help you examine the viability of alternative options, such as investing the value of a life insurance policy in another financial product that can provide a better return.

Whatever your questions or concerns regarding a life insurance policy are during COVID-19, Insurance Specialists, Inc. is here to help. Contact us online or call (888) 451-0883 to get the help you need now.