What is high risk life insurance?
High risk life insurance (aka impaired risk) is the practice of underwriting health issues, non-medical issues, risky occupations or adventurous hobbies.
Independent agents who specialize in high risk life insurance have expert knowledge of the underwriting practices of life insurance companies, to match you with the correct company based on your individual circumstances.
High Risk Life Insurance Guide
We cover the following and more in this article.
- Cancer History
- Diabetes and Endocrine Disorders
- Heart Conditions including High Blood Pressure
- Gastrointestinal – Crohn’s, Ulcerative Colitis
- Mental Health – Anxiety, Bipolar, Depression
- Prostate Disorders – BPH, prostatitis, elevated PSA
- Respiratory – Asthma, Sleep Apnea
- Brain Disorders – Epilepsy, MS, strokes, TIA
- HIV Positive
- Other Medical
Our goal is to help you find the best companies available based on your unique circumstances.
The following are just a few of the many topics covered in this article.
Our underwriting expertise extends far beyond this content.
How does cancer affect life insurance?
The type of cancer you had, extent of cancer, treatment received and time since completion of treatment are all factors used to determine the availability and price of life insurance for you.
Underwriting by Type of Cancer
You’ll find detailed information within the following articles.
- Can You Get Life Insurance After Cancer?
- Bladder Cancer
- Breast Cancer
- Cervical Cancer
- Colon Cancer
- Kidney Cancer
- Prostate Cancer
- Skin Cancer
- Thyroid Cancer
With cancer life insurance underwriting, it’s important that you have exact details available in order to receive accurate quotes.
While each company’s underwriting is different, all companies want to know about the dates of diagnosis and treatment, the cancer stage, the size of the tumor, lymph node involvement, type of treatment and dates of treatment, and any history of recurrence.
If you currently have cancer, life insurance options are limited depending on the cancer details.
We have underwriting expertise with many types of cancer in addition to the more commonly listed cancers above.
Diabetes and Endocrine Disorders
When it comes to life insurance for diabetes, thyroid problems or other endocrine disorders, we have years of experience helping people find affordable life insurance.
Can You Get Life Insurance with Heart Disease?
Most people with heart problems are insurable! The type of heart disease you have, treatment received, follow-up cardiac testing and compliance with your doctor’s advice are all factors used by underwriters to determine if life insurance is available to you.
The following are some of the more common heart issues we see in underwriting.
- Getting Life Insurance with Heart Conditions
- Abdominal Aortic Aneurysm
- Abnormal EKG
- Atrial Fibrillation
- Bundle Branch Block
- Bypass Surgery
- Coronary Artery Disease – CAD
- Heart Attack
- High Blood Pressure
- Mitral Valve Prolapse
With many heart issues, underwriting and pricing tends to improve as more time that passes since completion of treatment, surgery, etc.
Oftentimes we are able to obtain coverage now, and improve on those rates as more time passes.
Gastrointestinal and Internal Organs
Crohn’s disease and ulcerative colitis (UC) are inflammatory bowel diseases (IBD) that affect your gastrointestinal tract and will affect your life insurance underwriting.
Can Elevated Liver Enzymes Affect Life Insurance?
Yes. Elevated liver enzymes will affect your life insurance. The liver tests most commonly reviewed by underwriters include the AST, ALT, GGTP, Alkaline Phosphatase and Bilirubin tests. The degree of elevation over normal levels may cause underwriting to increase your life insurance rate, or they may postpone or decline your application until further testing has been completed.
Read this article on Elevated Liver Enzymes for detailed life insurance underwriting information.
Another underwriting concern we see often is hepatitis, and the most common question we receive is,
Can I Get Life Insurance with Hepatitis C?
Yes. Most people with hepatitis “C” are insurable now. With recent improvements in hepatitis treatment, many people who were previously rated or declined, are now receiving standard life insurance offers from companies that specialize in hepatitis underwriting.
This article on life insurance for someone with hepatitis C answers your questions about getting approved for life insurance.
The underwriting improvements that have taken place recently have improved so dramatically that it pays for you to shop again, even if you were previously declined or purchased life insurance in the past.
One of the most important things you can do if you have a mental health condition and need life insurance, is to make sure you are following your doctor’s orders.
Compliance with taking medications and meeting with your physician on a regular basis will improve your chance of success.
How Does Anxiety Affect Life Insurance?
Anxiety may affect your life insurance rates depending on the severity index of your anxiety. Life insurance is available for mild, moderate and severe anxiety provided you are under the care of a physician and are compliant with medications, doctors visits and therapy as needed.
This article on Anxiety Life Insurance Underwriting provides great detail about the underwriting process and what to expect.
We’ll help you find the most affordable life insurance rates for anxiety, depression, or mood disorders.
Can a Bipolar Person Get Life Insurance?
Yes, people with bipolar may qualify for life insurance if they meet the underwriting guidelines. Positive factors in your life such as stable home, job, family that depends on you, coupled with taking your medication as directed and visiting your physician regularly will help improve your odds with buying life insurance.
Our underwriting guide to Bipolar Life Insurance Underwriting provides detailed information for your review.
We have a handful of great companies that specialize in prostate disorders. It is possible to obtain life insurance for most medical scenarios we encounter, including:
Underwriters will want to know about your psa history and biopsy results if any when determining your life insurance rates.
Life insurance underwriters look at the type of respiratory problem you have, the medications you take, and your control of the respiratory condition.
You’ll find detailed information here about Asthma Life Insurance Underwriting.
For Sleep Apnea life insurance underwriting, insurance carriers are looking at the severity of your sleep apnea, and want to see compliance with your CPAP machine.
Brain and Nervous System
When it comes to health conditions such as epilepsy, MS, mini-strokes, TIA or strokes, life insurers are looking at your medical history, medications taken, time since last episode, and current health when determining life insurance rates.
HIV Positive Life Insurance
HIV life insurance underwriting is improving every year as more life insurers enter the market. If you have HIV, check out our guide to HIV Life Insurance Underwriting.
We provide detailed underwriting guidelines by company, and share our process with you to ensure that you receive the best life insurance options available based on your medical history.
Other Medical Conditions
There are many medical conditions that do not fit our traditional underwriting categories. Our experience in high risk underwriting far exceeds our current website content. Please submit your request and we’ll help you.
Some of the more common conditions include:
Tobacco and Nicotine Users
When it comes to tobacco and nicotine users, our knowledge and experience will help you save money by finding you affordable non-tobacco life insurance rates.
How to Get Your Best High Risk Life Insurance Rate
The biggest mistake made is going to the wrong company. It’s the number one reason for a miserable experience, terrible rate or even a letter of decline.
High risk underwriting involves learning about your health history, and understanding your current condition. The more accurate the information is that we have, the better we will be able to help you find affordable life insurance.
High Risk Life Insurance Companies
Something you should understand about high risk life insurance policies is that there is no single company out there that is best for every health issue. In fact, there are many life insurers that want nothing to do with health conditions.
Of the companies that do understand high risk, most have strengths and weaknesses depending on the type of health issue involved, occupation or activity.
Some companies are very good with diabetes underwriting, while others specialize in prostate cancer underwriting.
Risk Free Shopping – You’ll receive the life insurance quotes you need in order to make an informed decision.
As part of our service, we’ll tell you the companies that specialize in underwriting your condition, we’ll provide you with an estimated rate that you should receive, and we’ll shop your information out to multiple companies for underwriting feedback.
We have term life insurance, whole life insurance, universal life insurance and guaranteed issue life insurance including no medical exam life insurance available to you.
Keep in mind that with our service, there is never any pressure or obligation. At anytime should you change your mind, simply tell us to close your file.
If you would rather discuss your request, please call us at Toll Free 800-909-2040