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High Risk Life Insurance Solutions

high risk life insurance

 

When it comes to family and friends, financial protection with Life Insurance is one of the most important purchases you’ll make in your lifetime. Making certain that surviving loved ones have the resources to continue without you is as important as providing for them while you’re here.

All life insurers base their rates on the risk they accept and therefore, they take considerable measures in determining whether your application is acceptable and the appropriate rate they must charge for the coverage they are offering.

For many applicants who are young and healthy, the underwriting process is simple and the rates are very affordable. But, for those people who have health issues they have dealt with or are continuing to deal with, getting affordable life insurance can be extremely challenging.

If you’ve ever gotten expensive and unaffordable quotes or have been declined for coverage, there are options available if you have an experienced insurance professional working on your behalf.

Purchasing life insurance when you are considered a high-risk applicant can be frustrating and stressful. However, when you partner with an experienced insurance professional who is successful at getting high-risk cases issued, the stress and frustration becomes a thing of the past.

The LifeInsure Advantage

At LifeInsure, high-risk life insurance is our bread and butter. As experienced insurance professionals, we look forward to working with clients who have been disappointed with unaffordable rates or who have been declined traditional life insurance.

We represent the insurance companies who are motivated to offer affordable life insurance to high-risk applicants rather than only the young and healthy. Our experience becomes your advantage and our success results in more affordable rates for applicants with health issues.

Why Use an Impaired Risk Specialist

Just like not all insurance companies are the same, not all insurance agents are the same. Many agents choose not to pursue high-risk cases because of the work and time that must be invested. There are, however, agents who pursue and excel at placing high-risk cases, and these are the agents you want to advocate on your behalf.

Understanding High-Risk Life Insurance

 

life insurance with asthma

Life Insurance with Asthma

According to statistics published by the CDC, about 1 in 12 people in the U.S. have asthma which represents about 25 million people and, regretfully, that number is increasing every year. The report also states that about half of asthma sufferers had an asthma attack in 2008, although many of … Continue reading Life Insurance with Asthma

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breast cancer

Life Insurance with Breast Cancer

Although most people understand how important it is to have life insurance, very few of them actually follow through with getting insurance in place. In fact, many wait too long and end up getting very high rates because of health conditions like breast cancer. Life insurance is substantially more affordable … Continue reading Life Insurance with Breast Cancer

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life insurance with hepatitis c

Life Insurance with Hepatitis C

Lately, there has been a lot of talk about Hepatitis C because of new treatments that are being marketed. Part of the advertising points out that many baby boomers should be tested for the disease because many people who are infected are unaware since symptoms may not appear for up … Continue reading Life Insurance with Hepatitis C

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colon cancer

Getting Life Insurance with Colon Cancer

Twenty years ago, if you had been diagnosed with Colon Cancer, your only hope for life insurance was to apply for a “guaranteed issue” policy and then hope you outlive the waiting period. Now, thanks to more liberal underwriting guidelines and innovative cancer treatments, things have changed considerably. In fact, … Continue reading Getting Life Insurance with Colon Cancer

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life insurance with diabetes

Life Insurance With Diabetes

If you have diabetes and you’ve found nothing but roadblocks when you’ve attempted to purchase affordable life insurance, don’t give up – just get smart. Regardless if our diabetes is type 1 or type 2, there are many companies out there who are willing to issue you a policy at … Continue reading Life Insurance With Diabetes

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life insurance with depression

Life Insurance with Depression

Depression affects many Americans and their families, and it is not uncommon for someone with depression to also suffer from anxiety as they seem to go hand in hand. According to the Mayo Clinic, depression is considered a mood disorder that typically causes a continuous feeling of sadness and lack … Continue reading Life Insurance with Depression

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life insurance with prostate cancer

Life Insurance with Prostate Cancer

Depending on your specific situation, getting approved for traditional life insurance can be challenging. Although obtaining life insurance with prostate cancer may seem almost impossible, if you choose the right independent agent and a company that has a history of favorable ratings for high-risk cases, it is still possible to … Continue reading Life Insurance with Prostate Cancer

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life insurance with melanoma

Life Insurance with Melanoma

Melanoma is believed to be the most dangerous type of skin cancer. These growths can develop when DNA damage to skin tissues triggers defects that will get the skin cells to multiply rapidly and form malignant tumors. This damage is due to ultraviolet radiation from tanning beds or the rays … Continue reading Life Insurance with Melanoma

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    • Intramark Insurance Services, Inc., Insurance Services, Glendale, CA

    • Intramark Insurance Services, Inc.