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 accepted 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.
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.
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.
To learn more about how indiviual conditions can affect your life insurance rates and eligibility, click on the links below.