High risk life insurance (aka impaired risk) is the practice of underwriting health issues, non-medical issues, risky occupations or adventurous hobbies.
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
As independent life insurance agents, we specialize in high risk life insurance, have expert knowledge of the underwriting practices of life insurance companies, and will match you with the correct company based on your individual circumstances.
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.
- Endocrine Disorders Life Insurance
- Addison’s Disease
- Metabolic Syndrome
- Thyroid Conditions
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 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
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 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 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.
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 will be able to help you find affordable life insurance.
It’s also important to know about your family history as it may impact underwriting. This guide to Family History Life Insurance underwriting provides great 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 are 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 big price increase to you!
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.
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.
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