So maybe your doctor just gave you the “good news” or you just know that you’re on the heavy side. Either way being obese can affect your life insurance rates due to the higher health risk associated with being overweight. Let’s talk about what constitutes obese, morbidly obese and what you can expect from the […]
Getting life insurance with ADD or ADHD shouldn’t be a huge issue. However, as you may have heard or experienced many companies will increase your rates drastically and sometimes may even turn you down for life insurance altogether. The key is to work with an independent broker who has a pool of companies to choose […]
The difficulty of getting life insurance with a mental illness will depend on the experience of the life insurance agent you ask. An inexperienced agent will either say that it’s impossible while another will say it’s all sunshine and rainbows. The truth is, like any illness and life insurance, it will all depend on the […]
You have served your country well and now that you are back you find that you may have to go through a battle to get life insurance. It’s quite common for life insurance companies to decline or highly rate applicants with post-traumatic stress disorder. However, the good news is that there are plenty life insurance […]
Don’t fall into the trap of thinking that you can’t afford life insurance simply because you have high cholesterol. Many individuals seeking life insurance have some kind of health issue or another, but if you have been able to control your cholesterol condition or it appears relatively stable, getting life insurance should not be a problem […]
If you have a dangerous job, then it’s normal to wonder whether you can get life insurance given that you’re in a high risk environment daily. After all, life insurance companies do determine rates and eligibility with certain risk assessment criteria, with health and occupation high on their list. The good news is you can […]
Life insurance companies use a certain criteria to determine your rate and eligibility for coverage. The most important of those factors is your age and your health. If you are in bad health you can still get life insurance coverage, even if you have been declined for coverage in the past. Depending on your condition […]
So you’re wondering if you can get life insurance if you are a felon? The short answer is yes, no, and maybe so. However, you’re at the right place to find out. We’re an independent life insurance agency that specializes with high risk life insurance cases. What that means for you is that we will […]
Getting life insurance is already a task that most people avoid because of the difficulty level it has. The truth is that getting life insurance doesn’t have to be the most daunting thing in the world. It’s actually quite simple, you just have to make sure you are working with an independent life insurance agency, […]
Okay, so maybe you’ve been declined for coverage from a life insurance company, don’t get down, it doesn’t mean they all don’t like you! Most life insurance companies weigh risk differently so if you got declined for life insurance it’s not the end of the road. If you got declined it simply means you are considered […]
