High risk life insurance is basically life insurance for people with health problems of many different kinds. It ranges greatly in how severe a persons condition is, but requires a more detailed underwriting process.
In order to get accurate quotes, you need to use an independent life insurance agent to ensure you’re matching yourself with a suitable company.
We will do this for you.
Finding the right company is not only key to getting accepted, but life insurance for people with health problems can get very expensive if you don’t choose the right carrier.
If you’ve found this page, you’re in the right spot if you’re looking to buy a life insurance policy and your health is sub par. We have the knowledge and resources to help you secure the best rates so you can rest assured knowing your family is covered.
Finding life insurance for people with health problems is what we do, and we use over 50 companies and our experience to not only find all the carriers who are willing to offer coverage, but sort through those who might be most aggressive in issuing you coverage.
A person applying for coverage may be at a higher risk if they have:
… and the list continues.
A persons health problems could be not only something they deal with currently, but any issue which they’ve had in the past, whether acute or chronic. Life insurance for people with health problems is solely dependent on your ability to qualify based on all factors, so if you have more than one health condition, the points against you stack up pretty quick. This means current and past health, driving record, criminal record and more.
You have several routes you can go, depending on your personal situation. If you are looking for the most affordable coverage you can find, you are best of looking for a cheap term life insurance policy, or a life insurance contract which is simply small in coverage amount, like $5-10,000.
Life insurance for people with health problems isn’t always hard to find, though. We specialize in finding low cost coverage for all types of different health conditions such as Cerebral Palsy life insurance. We have helped clients find coverage when they were already denied, and have helped clients lower their current premiums by finding a more suitable carrier.
There are several insurance commercials and advertisements you see offering coverage starting at just $1 per month, or guaranteed rates per age group. Don’t fall for this trap.
Is it insurance? Yes.
Will it cover you? Yes.
It worth it? No.
You’re basically signing up for an introductory rate, and after a certain time period passes, your rates will start to sky rocket. Not only this, but if your health starts to deteriorate, you now won’t be able to get traditional term life insurance. Of course it sounds good while you watch the commercial, but when it sounds too good, it probably is.
In addition, if you have health problems, never consult just one agent from one company. You need to use an agent who has access to multiple companies. An agent who works with just one major insurance company is forced to offer his company’s policy, not another. Even though the company and agent may be reliable, it doesn’t mean you’re getting the best deal.
If you have questions, please contact us and we’ll be happy to help you secure affordable life insurance today.