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Getting Approved as a High Risk Individual is Possible

Just because you classify as a high risk individual does not mean that you won’t get approved for a term life insurance policy. I’ve been able people approved with conditions such as diabetes, prostate cancer, high cholesterol and even a DWI.

The point is, it’s not impossible. It’s imperative that you work with an independent life insurance agent to insure that you get connected with the appropriate carrier. That way you get the approval you need and the rate you can afford. If you are seeking high risk life insurance, don’t give up.
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If you need a free quote, please feel free to call my toll-free number today: (855)-457-6525

Life Insurance with Enlarged Heart (Left Ventricular Hypertrophy)

If you have an enlarged heart due to left ventricular hypertrophy, it’s going to be an issue for life insurance. Insurers will see this condition and worry that it could lead to more serious heart problems in the future. You may still be able to get insurance coverage though, especially if you put together a [...]

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Life Insurance with Atrial Fibrillation

If you have atrial fibrillation and want to buy life insurance, your condition will make applying more difficult. However, you could still qualify for a decent policy, even with this heart condition. It all depends on the severity of your atrial fibrillation as well as your overall health. You can increase your chances of getting [...]

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Life Insurance with Diverticulosis

If you have diverticulosis (and want to apply for life insurance, you need to show the insurance companies that your condition is under control. When treated properly, diverticulosis is quite manageable but it can very serious if left untreated. To get the best possible rating, your application should put the insurance underwriters’ minds at ease. [...]

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Life Insurance with Hepatitis

In order to be eligible for individual life insurance, the burden is on you to prove that you are healthy enough. This analysis is performed by an insurance agency and is referred to in the industry as “medical underwriting”. Multiple factors are considered during this process. The end goal is determine your level of health [...]

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Life Insurance for Chewing Tobacco Users

If you are one of the many Americans who use a form of smokeless tobacco, whether is be dip, snuff, or anything in between, it is still possible to receive life insurance at affordable rates. Despite extensive research showing that smokeless tobacco is far less harmful than cigarettes, many life insurance companies treat them as [...]

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Life Insurance After Heart Bypass Surgery

After a major life event like bypass surgery, it’s understandable that you’d be in a hurry to buy life insurance as soon as possible. This is often a mistake. Life insurance companies will see your past surgery and this could prevent you from receiving a policy. To qualify for insurance after a bypass, you need [...]

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Life Insurance with Heart Murmur

If you have a heart murmur, it’s going to be an issue when you apply for life insurance. Insurance companies are going to be worried your heart murmur is a sign of more serious health problems. Your insurance outcome really depends on the specifics of your condition. While you can’t change your health status, you [...]

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Life Insurance for People with HIV

Update: One of the main carriers we used for our HIV clients has pulled out of the market place. As of now there are only two insurance companies that will cover people with HIV. Those are United Home Life and Americo. With United Home Life you must be at least 45 years-old. With Americo you [...]

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Life Insurance Approval with a Defibrillator

I have written in the past about how you can obtain life insurance even if you suffer from some sort of heart disease. It is not easy but as long as you can show improvement in your overall health, getting the life insurance coverage that you need is not impossible. There are some cases, however, [...]

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Special Risk Life Insurance – How Special is it?

Special risk life insurance is a lot like high risk life insurance, you can get it but you’ll wind up paying more than those the insurance companies deem not a risk. Smokers and seniors are the primary example of those who companies deem a ‘special risk’, along with any other person with a pre-existing medical [...]

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