What Everybody Ought to Know About High Risk Life Insurance
How to find affordable life insurance when you’re high risk.
Have you been declined for life insurance, or asked to pay more due to a health condition, the job you do, or the adventurous hobbies you participate in? You’re not alone!
As life insurance underwriting experts, we specialize in helping you find coverage from high risk life insurance carriers that want to earn your business…even if you’ve been denied life insurance in the past!
Check our our underwriting advice by medical condition:
What is High Risk Life Insurance?
High risk life insurance is also known as impaired risk life insurance. The terms mean the same thing.
High risk focuses on helping individuals with health conditions, medical histories, risky occupations, adventurous hobbies or other issues that do not fit with traditional life insurance underwriting.
Understanding the marketplace, knowing the underwriting niches of high risk life insurance companies, and having the ability to ask you the appropriate underwriting questions enables us to help you find the most affordable high risk life insurance carriers and policies for you.
How to Get Your Best High Risk Life Insurance Rate
The biggest mistake consumers make is going to the wrong company. It’s the number one reason for a miserable experience, terrible rate or even a letter of decline.
High risk underwriting involves learning about your health history, and understanding your current condition. The more accurate the information is that we have, the better we will be able to help you find affordable life insurance.
High Risk Life Insurance Companies
Something you should understand about high risk life insurance is that there is no single company out there that is best for every health issue. In fact there are many companies that want nothing to do with health conditions.
Of the companies that do understand high risk, most have strengths and weaknesses depending on the type of health issue involved. Some companies are very good with diabetes underwriting, while others specialize in prostate cancer underwriting.
Risk Free Shopping – You’ll receive the high risk life insurance quotes you need in order to make an informed decision.
As part of our service, we’ll tell you the companies that specialize in underwriting your condition, we’ll provide you with an estimated rate that you should receive, and we’ll shop your information out to multiple companies for underwriting feedback.
We have high risk term life insurance, whole life insurance, universal life insurance and guaranteed issue life insurance including no medical exam life insurance available to you. Keep in mind that with our service, there is never any pressure or obligation.
If you would rather discuss your request first, please call us at Toll Free 800-909-2040