High Risk Life Insurance
With our high risk life insurance advice, you’ll learn how to get the best rate available depending on your situation.
How to get the best rate when you’re high risk.
If you have a health condition, dangerous job, or like to participate in adventurous hobbies….you’re high risk.
Maybe you’ve been declined or asked to pay more for life insurance due to a medical condition, your job or hobbies.
As high risk life insurance experts, we specialize in underwriting, matching you to the best companies based on your unique history and needs.
High Risk Life Insurance Underwriting
Our proven process will help you by asking you the right questions based on your situation. We then take your information and reach out to life insurance companies on an anonymous basis using a Quick Quote.
The benefit of a Quick Quote for you is that it allows us to cover multiple companies quickly, receiving underwriting feedback in 2-3 days….not to mention that you do not need to complete applications to get a Quick Quote.
Once we have underwriting feedback, we’ll let you know what each company has to say and what to expect in terms of price. There is never any obligation or pressure with our service.
Some of the more common high risk situations we help.
Brain and Nervous System
When it comes to health conditions such as epilepsy, MS, mini-strokes/TIA, strokes or other health problems affecting the brain or nervous system, we have the underwriting resources to help you.
If you’ve had cancer, the pathology reports will be critical to helping you find life insurance. While a number of companies tend to do a good overall job underwriting cancer histories, there are companies that specialize in specific cancers. When we discuss your history, we’ll get you to the right companies based on your cancer history.
- Bladder Cancer
- Breast Cancer
- Cervical Cancer
- Colon Cancer
- Kidney Cancer
- Prostate Cancer
- Skin Cancer
- Thyroid Cancer
While each company’s underwriting is different, all companies want to know about the dates of diagnosis and treatment, the cancer stage, the size of the tumor, lymph node involvement, type of treatment and dates of treatment, and any history of recurrence.
We have underwriting expertise with many types of cancer in addition to the more commonly listed cancers above.
Diabetes and Endocrine Disorders
When it comes to life insurance for diabetes, thyroid problems or other endocrine disorders, we have years of experience helping people find affordable life insurance.
Gastrointestinal and Internal Organs
Recently, underwriting improvements have allowed us to obtain exceptional offers for people with Crohn’s, ulcerative colitis, as well as those who have been treated for Hepatitis.
Underwriting improvements are taking place on a regular basis, so even if you were declined in the past, there may be coverage available to you now.
Cardiovascular heart issues are a specialty of ours. With many heart issues, the more time that passes since treatment, surgery, etc., the better the potential rate may be. Oftentimes we are able to obtain coverage now, and improve on those rates as more time passes.
- Abdominal Aortic Aneurysm
- Abnormal EKG
- Atrial Fibrillation
- Bundle Branch Block
- Bypass Surgery
- Coronary Artery Disease – CAD
- Heart Attack
- High Blood Pressure
- Mitral Valve Prolapse
We’ll help you find the most affordable life insurance rates for anxiety, depression, or mood disorders.
We have a handful of great companies that specialize in prostate disorders. It is possible to obtain life insurance for most medical scenarios we encounter.
With asthma, underwriters look at your control as well as the number of medications you take. With sleep apnea, underwriting wants to see your compliance with using a CPAP machine.
Tobacco and Nicotine Users
When it comes to tobacco and nicotine users, our knowledge and experience will help you save money by finding you affordable non-tobacco life insurance rates.
HIV Positive Life Insurance
Recently, two companies announced programs to offer life insurance to those who are HIV positive. This is the first time in history that traditional life insurance is available. While it is still very complicated and difficult to quality for, we believe that more companies will enter the market in the future.
Other Medical Conditions
We’ve helped thousands of people who have had medical conditions that may not fit our traditional underwriting categories. We continuously update our underwriting information to address conditions.
Some of the more common conditions include:
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 policies 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, occupation or hobby. Some companies are very good with diabetes underwriting, while others specialize in prostate cancer underwriting.
Risk Free Shopping – You’ll receive the 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