Life Insurance for those with Health Problems


Life Insurance for those with Health Problems.

 If you have a High Risk Health condition , give me a call.

Life Insurance for those with Health Problems, I can assist you in finding a Life Insurance Policy.  High Risk Life Insurance Policy rates  for this type of coverage are frequently higher, plus the terms and conditions of the policies could be different and have exclusions.

All insurance companies have markets they like to write business in. What this means to you is that  some companies wish to only write standard ( Healthy)  insurance policies but there are a handful of other carriers that  want to write  high risk life insurance policies .

Health Conditions:

Your individual health history are  factors that life insurance companies use to evaluate risk. Some of the  following conditions may affect life insurance coverage costs: High Cholesterol or High Blood Pressure, Height to Weight ratio, or previous or current use of Nicotine, Drugs (Marijuana) or Alcohol. Your driving record (DUI’s) can also affect your costs , Other health conditions that may make a policy more expensive and difficult to obtain are: Diabetes , Cancer, Heart Attacks and any other major health conditions.

Your family health history is also a another factor. If your Mon, Dad or a Sibling  have/had a history of cancer or other types of diseases, life insurance companies expect that you’ll experience the same thing. This will be a factor when assessing your risk. However a clean bill of health from your doctor and evidence of a healthy lifestyle could help keep your premium lower.

Using me as your Independent Broker:

Using me,  an Independent Insurance Broker , who works with many carriers, allows me to search the marketplace and make a price comparison with all the major insurance carriers available on the market. This  provides you with the peace of mind to know that all available rates are compared to give you the best possible available plans.

If you would like a quote and not a “Ballpark” number and you have a Health issue, contact me today. We will go over our various questionnaires and I will speak with the carriers that I feel give us the best possible chance to qualify and the best possible rates.

Fill out the contact request form or give me a call. My number is 512-963-5000.