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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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Obsessive-compulsive disorder, or OCD – it’s a term that most of us are familiar with, often because it is used in a humorous way (I.e. – That’s my OCD kicking in, or, I’m OCD about that). But OCD isn’t a joke, and certainly not when you are applying for life insurance. OCD is a recognized […]
Taking prescription medications has become so common that most of us may not give it a second thought. But if you’re applying for life insurance, you can be sure that the insurance company won’t have the same casual view. There are certain risks associated with the use of prescription medications that can affect if you can […]
When you have diabetes, you may worry that you can’t get life insurance at all. In fact, nothing could be further from the truth. Approximately 8.3% of the U.S. population has some form of diabetes, making the disease one of the most prevalent health concerns in the country. Getting affordable life insurance with diabetes can […]
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 […]
Cushing’s syndrome is a medical condition that can lead to obesity, weak bones, hypertension, diabetes, and other serious problems. As a result, life insurance companies are stricter with applicants who have this condition. If you have Cushing’s syndrome, you still might be able to qualify for coverage though. It really depends on a few different […]
If you have iron deficiency anemia, it’s going to be an issue when you apply for life insurance. While most cases of anemia are temporary and aren’t serious, in some cases this condition can be a sign of a very major health problem. To learn more about how your condition will impact your insurance rating […]
Thrombocytopenia is when a person has a low blood platelet count. This can be a significant health problem because it increases the chance of severe bleeding and also could be the sign of other more serious issues. As a result, if you have thrombocytopenia, it’s going to be an issue when you apply for life […]
Doctors often check the calcification levels in your arteries as this helps predict your risk of heart disease. They can use noninvasive tests like the Electron Beam CT (EBCT) and Multislice CT (MSCT) to determine your calcium scores. If you’ve ever had one of these tests, insurance companies will be able to see the results […]
The heart uses an electrical system to set the pace of the heartbeat. However, if you have an Atrioventricular Block (AV block), a problem impairs this system which can cause an irregular heartbeat and possibly more serious heart problems. If you have an AV block, it could be an issue when you apply for life […]
If you or a family member is suffering from autism or Asperger’s it might seem like the condition would make qualifying for life insurance impossible. This isn’t true. Many applicants with these mental conditions are still able to qualify for life insurance at a decent price. Whether someone can qualify depends on a number of […]
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