High-risk life insurance (aka impaired risk life insurance) is the practice of underwriting health issues, non-medical issues, risky occupations or adventurous hobbies.
This High-Risk Life Insurance Guide Covers:
- Cancer History
- Diabetes and Endocrine Disorders
- Heart Conditions including High Blood Pressure
- HIV Positive
- 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
- Other Medical
Don’t let your health problems stop you from finding affordable life insurance.
We work with the best life insurance companies and will match you with the best life insurers based on your health problems.
The following are just a few of the many topics covered in this article.
How does cancer affect life insurance?
The type of cancer you had, the extent of disease, 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 substandard risk life insurance underwriting, it’s important that you have exact details available to receive accurate quotes.
While each life insurance carrier’s underwriting is different, all companies want to know about the following.
When were you diagnosed and treated, what was the cancer stage, the size of the tumor, lymph node involvement, type of treatment and dates of treatment, and was there any recurrence of cancer?
Life insurance, if you have cancer now, is more difficult, with options typically limited to guaranteed issue life insurance.
Check back often as we continually add new articles to our cancer life insurance underwriting.
Diabetes and Endocrine Disorders
Diabetes, thyroid problems and other endocrine disorders are common. We have years of experience helping people find affordable life insurance for all of the following and more.
- Endocrine Disorders Life Insurance
- Addison’s Disease
- Metabolic Syndrome
- Thyroid Conditions
Can You Get Life Insurance with Heart Disease?
Life insurance is available to most people with heart problems!
The type of life insurance available may depend on the treatment received follow-up cardiac testing and compliance with your doctor’s advice.
We’ll show you all the options available when you submit your request for quotes.
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, impaired risk life insurance underwriting tends to improve as more time passes since completion of treatment, surgery, etc.
Frequently we can obtain coverage now and improve on those rates as more time passes.
HIV Positive Life Insurance
HIV life insurance underwriting is improving every year as more life insurers enter the market.
Check out our guide to HIV Life Insurance by RiskQuoter.
We provide detailed underwriting guidelines by the company and share our process with you to ensure that you receive the best life insurance options available based on your medical history.
Gastrointestinal and Internal Organs
Inflammatory bowel diseases (IBD) affect your gastrointestinal tract and will affect your life insurance underwriting, especially if you end up with the wrong company.
Check out the following articles:
- Can I Get Life Insurance with GI Problems?
- Crohn’s Disease Life Insurance
- Ulcerative Colitis Life Insurance
- Hepatitis Life Insurance
- Elevated Liver Enzymes Life Insurance
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.
Check out the following articles:
- Mental Health Life Insurance – Everything You Need to Know
- Anxiety Life Insurance Underwriting
- Bipolar Life Insurance Underwriting
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.
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 the last episode, and current health when determining life insurance rates.
Other Medical Conditions
Many medical conditions do not fit our traditional underwriting categories. Our experience in substandard risk life insurance underwriting will allow us to help you with many health issues, including ones not currently listed on this site.
Some of the other 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.
- Life Insurance for Smokers, Tobacco and Nicotine Users – The Guide
- Chewing Tobacco
- Cigar Smokers
- Cigarette Smokers
- Pipe Smokers
How to Get Your Best High-Risk Life Insurance Rate
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 can help you with accurate life insurance quotes.
It’s also important to know about your family history as it may impact underwriting. This guide to Family History Life Insurance underwriting provides excellent tips.
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.
For many people with high-risk health conditions, a life insurance table rating or flat extra is added to your price. If you end up with the wrong insurer, you may end up with a more expensive rating than necessary, resulting in a significant price increase to you!
A flat extra is an additional expense added typically for cancer histories. While most flat extras are temporary, they are expensive.
It’s common for a flat extra to add $600 – $1000 per every $100,000 of life insurance you buy.
When there are significant ratings added to your policy, it may make sense for us to look at staggered coverage to help you meet your needs at the best possible price.
Staggered coverage (or laddered coverage) combines multiple term lengths to give you the amount of life insurance you need at more favorable prices. For example, if you need $1,000,000 of coverage, we might look at combining a 20-year term with a 10-year term if it makes sense for your needs.
One of the companies we work with recently introduced a 40-year term life insurance policy. We think this may be a great opportunity to ladder coverage with a base plan of 40 years and the balance of your life insurance consisting of 10-30 year term lengths.
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. Many life insurers want nothing to do with health conditions.
If you’re a veteran, make sure you take a look at the Veteran’s Group Life Insurance (VGLI) option as the military has a 240 day no health review period that may offer better options than some private insurance offers.
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.
Start with this guide if you’ve been denied life insurance.
Risk-Free Shopping – You’ll receive the life insurance quotes you need 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 any time should you change your mind, tell us to close your file.
If you would rather discuss your request, please call us at Toll-Free 800-909-2040