HIGH RISK LIFE INSURANCE EXPERTS

For most people with good health,it is fairly easy to get an affordable term life insurance policy. But, there are some people who have poor health or who enjoy adventurous activities in life, which means that they are “high risk” and have a harder time qualifying for the cheaper life insurance plans.

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WHAT IS HIGH RISK LIFE INSURANCE?

  • If a life insurance company determines that you are in a high risk category, then it is likely that you will only qualify for higher premium life insurance plans.
  • People in poor health or those who participate in risky activities are a higher risk to the company, because it increases the likelihood that the company will pay out on the insurance policy.
  • High risk health problems include high cholesterol, high blood pressure, diabetes, bipolar disorder, smoking, or the use of certain medications.
  • For example, if you have been diagnosed with high cholesterol and you are using medication to control the cholesterol, it is likely that you still might need to pay the higher cost for a life insurance policy.
  • Examples of activities that insurance companies consider high risk include working a dangerous job, racing cars, skydiving, and anything else that might cause early death.
  • Just because you participate in these activities doesn’t necessarily mean that you won’t be able to qualify for a life insurance policy. But, you should expect that your monthly premiums will be more expensive.

HOW TO GET APPROVAL FOR A HIGH RISK INSURANCE POLICY

  • Are you an applicant that falls into the high risk group? You should expect that some insurance companies won’t write a policy for you.
  • But, we can help you find the companies that are willing to offer high risk insurance policies, and there are actually a number of companies where you can submit an application for high risk insurance.
  • Each insurance company has their own unique underwriting guidelines, which is why it can be beneficial to get quotes from several companies.
  • When you are approved for a high risk life insurance policy, keep in mind that you won’t be offered the best rates that are available for people who are in the low-risk groups.
  • Even though the insurance policy is more expensive, it is worth the cost so that you can have the protection of a life insurance plan.
  • Do you fall within the high risk category for life insurance? We can help you find the companies who are willing to write a policy for you.
  • Contact us and we will help you get access to the most affordable high risk insurance policies that are available: 800-316-2089

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