High Risk Life Insurance: How To Get Approved For Coverage

High Risk Life Insurance PoliciesWe’ve all heard a lot of talk these days about pre-existing medical conditions for health coverage, and at first glance, life insurance policies are no different.

One of the first considerations an insurance provider looks at is how “high risk” you are. That doesn’t mean however that if you are in a high risk bracket you can’t get approved for a policy. The only real difference is if you have a clean bill of health or not. If you do have pre-existing conditions, it’s best to work with a high risk life insurance agent, also called an impaired risk specialist.

In this post we’ll look at some of the issues related to health risk factors when it comes to shopping for and selecting the right life insurance policy.

Personal Health and Sub-Standard or So-Called “Table” Ratings for Life Insurance

While most generally healthy individuals fall into the categories of “Preferred” or “Standard”, those who have pre-existing health conditions and are considered to be a higher risk and as such will most likely receive a “Sub-Standard Rating”.

These are also sometimes referred to as “Table Ratings” which involve a fairly complex scoring system combining a complex set of letters or numbers. This is not something you should concern yourself with. But generally, the lower the number, the lower the price of the policy.

High Risk Life Insurance and Medical Conditions

Since its inception, BestLifeQuote.com has been focused on helping people in all walks of life to get the right life insurance policies for their needs. We have been successful in assisting scores of clients considered, “high risk” and with “pre-existing medical conditions” get approved for life insurance, and do so on favorable terms.

Many well-known and well-publicized conditions and ailments that may put you into a high risk category do not  necessarily disqualify you from getting insured. Far from it in fact. But there’s no question that if you do have a pre-existing condition, it’s a very good idea to consult with an independent high risk broker who can properly represent you and your interests, and get you the widest possible spectrum of quotes from leading insurers, as well as be knowledgeable as far as which companies are more likely to approve you for coverage. The fact is that clients with a wide range of common conditions including diabetes, Crohn’s disease, heart murmurs, sleep apnea, Multiple Sclerosis, asthma, a history of cancer and other chronic ailments have been approved for a life insurance policy.

Have you ever been declined?

If you were ever declined an insurance policy in the past, this doesn’t mean that you won’t be able to get coverage. Perhaps it was not the right insurance company, or the representative you were working with didn’t have experience in helping people with pre-existing conditions get approved for coverage.  The point here is, even if you were ever refused a policy, it probably had more to do with the company or people you were dealing with, than the reality of the industry.

One of the best ways to ensure that you get the policy you need, regardless of your situation or current state of health, is to work through an independent broker. Independent brokers provide a big advantage in that they can give you access to the largest selection of companies and policies, and put the odds of getting insured and finding the right plan very much in your favor.

Part of the challenge for your average insurance policy buyer is the fact that Insurance companies differ on the type of risk they are willing to insure. But that doesn’t mean another company won’t insure you and possibly even on better terms. BestLifeQuote.com specializes in “high risk” cases, and boasts a long and successful track record working with clients with pre-existing medical conditions.  Casting the net as widely as possible, and helping you sift through the catch, we bring your terms to over 30 life insurance companies nationwide. In the process we look for the right match for you and your particular situation. Every insurance company is different, and it’s good to find the right fit.  We will find you the company and the policy that best suits you, your family and your needs. If for whatever reason you are further declined, there remain plenty of  options to get you and your family insured including policies under the categories “Guaranteed Acceptance” or “Graded Benefit Life Insurance“.

BestLifeQuote Advice: Consider Term Life Insurance for High Risk

In our experience the way you approach searching out a quote or policy can play a decisive role in getting the right plan or policy. For example, there are certain cases when we recommend a Term Life Policy instead of a Permanent Life Policy as it may help widen the options amongst firms competing for your business and keep costs low for those considered high risk.

Working with over 30 life insurance companies, and many known for their handling of  “High Risk” cases of people with pre-existing conditions, such as Transamerica, Banner Life, Prudential, American General amongst others, BestLifeQuote will help you get the best selection of options, and choose just the right policy for you.

To receive a custom quote fill out the form below or call us at 1-888-552-6159.

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Liran Hirschkorn is an independent life insurance agent. His mission is to help individuals across the U.S in finding the best rates on life insurance as well as helping those that have previously been declined get approved for coverage. Liran looks forward to speaking with you about your life insurance needs.

Comments (16)

  1. Jacquelyn says:

    I’m looking for an independent life insurance agent that has experience in life insurance for someone with COPD. It’s for my mother. She knows I’m looking into it. Just need a good agent to help us through the process.

    1. Liran says:

      Hi Jacquelyn,

      I have sent you an email with more information.

  2. Jessica says:

    I am in the same boat. Looking for my mother whom has severe copd. I can’t seem to find anyone that will cover her. Is it hopeless? She knows I’m looking. And has no problem speaking to someone about it but she keeps being declined.

    1. Liran says:

      Hi Jessica,

      It is possible that we can get her covered. I am sending you an email now.

  3. robert says:

    My mom is 73 and has copd and emphasima i am looking to get her life insurance that she will be covered from day 1 do you think that you could help

    1. Liran says:

      Hi Robert,

      I just sent you an email. I think the only option available in this specific case is a policy with an initial 2 year waiting period.

  4. Diana says:

    My husband is 58 and has diabetes, Afib. and sleep apnea although he now uses a Cpap. He has some vision loss and is overweight. Any chance of getting some insurance. Haven’t even tried for years.

    1. Liran says:

      Hi Diana,

      I am sending you an email now with a few questions so that I can provide you with options. Thanks

  5. Williams says:

    I am looking for life insurance for my dad who has diabetes, high BP, and over weight. He’s been denied for insurance because his sugar levels are high. Any ways to get him some insurance

    1. Liran says:

      Hi Williams,

      I just emailed you with some questions regarding your dad, so that I can provide you with some options.

  6. David says:

    I am looking for life insurance for my wife who is 35, 5’4″, 300 lbs, but in otherwise good health (no high blood pressure, no diabetes, etc.). What options would you be able to offer? How much coverage could she qualify for?

    1. Liran says:

      Hi David,

      I will email you now with some information.

  7. Jamala says:

    I am looking for insurance for my father who is 70, diabetic and has dementia. Is this possible?

    1. Liran says:

      There are some options available – I’ll email you to discuss.

  8. charlotte says:

    I am an agent…we offer Life Insurance but not to high risk individuals….I am trying to help a client find a policy…he is overweight and has type 2 diabetes.

    1. Liran says:

      Hi Charlotte,
      I just emailed you with some questions relating to this. Thank you

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