Navigating Life Insurance With Existing Health Conditions & Dangerous Activities- 2017
Ed Note: Our life insurance buyers list of existing conditions- 2017 edition is here. Articles will be added and updated regularly.
Let's face it, nobody thinks buying life insurance is a "fun" activity. But if you have an existing health condition it can be downright aggravating.
The major source of aggravation is that every major life insurer has different standards for what it considers a great, good, or average, or bad risk.
Navigating this minefield alone can be a lengthy and often self defeating task.Luckily, it is not necessary to "go it alone".
Finding the Carrier Best Suited to Your Condition.
What ever your ailment, there is a good chance we have seen it and can recommend the carrier(s) who look most favorably on your particular situation.
Placement of your application with the right carrier for your situation is vital to obtaining the best deal possible.
Simply choosing the lowest monthly price on the quote tool only works for the folks who are in perfect health. If you are not so lucky as to be in perfect health, you may want to receive a custom quote. This will dramatically increase the odds of an accurate quote.
Note that less than 10% of life insurance applicants receive the preferred plus rating, so knowing which company to apply with matters in the end.
Use an Independent Agent to Get the Best Deal
Because as an independent agency we have access to 50+ carriers, we are able to place your application with the company that fits you best. Below is a list of some of the conditions we have placed in the past.
Please feel free to call or contact us with any questions you may have.
Acid Reflux- Life Insurance with Acid Reflux
Asthma - Life insurance with Asthma
Addison’s Disease- Life Insurance with Addison's Disease
Aneurysm- Life Insurance after Brain Aneurysm
Angina Pectoris- Life Insurance With Angina
Angioplasty- Life Insurance after Angioplasty
Anorexia- Life Insurance After Anorexia
Anxiety- Life Insurance with Anxiety Disorder
Arrhythmia - Life Insurance with Cardiac Arrhythmia
Atrial Fibrillation- Life Insurance with AFIB
Atrial Flutter- Life Insurance with Atrial Flutter
Basil Skin Cancer- Life Insurance with Basil Skin Cancer
Bipolar Disorder- Life Insurance with bipolar Disorder
Bulimia- Life Insurance after Bulimia
Bypass Surgery- Life Insurance After Bypass Surgery
Cardiomyopathy- Life Insurance with Cardiomyopathy
Cardiac Bypass Surgery- Life insurance After Cardiac Bypass Surgery
Cardiac Infarction- Life Insurance with Cardiac Infarction
Colon Polyps- Life Insurance After Colon Polyps
Coronary Bypass- Life Insurance after Coronary Bypass
Crohn's Disease-Life Insurance with Crohn’s Disease
Depression- Life Insurance with Depression
Diabetes (Type 1 Diabetes)
Digestive Tract Diseases
Dilated Cardiomyopathy - Life Insurance with Dilated Cardiomyopathy
Diving History- Life Insurance with Bad driving History
Eating Disorder - Life Insurance After With Eating Disorder History
GERD- Life Insurance with GERD
Gastric bypass Surgery - Life insurance after Gastric Bypass Surgery
Grave's Disease- Life Insurance with Grave's Disease
Heart Attack- Life Insurance after a Heart Attack
High Blood Pressure- Life Insurance with high Blood Pressure
High Cholesterol- Life Insurance with high Cholesterol
Hyperthyroidism- Life Insurance with Hyperthyroidism
Hypertrophic Cardiomyopathy- Life insurance with Hypertrophic Cardiomyopathy
Inflammatory Bowel Disease
Lupus- Life Insurance with Lupus
Myocardial Infarction- Life insurance after Myocardial Infarction
Restrictive Cardiomyopathy- Life Insurance with Restrictive Cardiomyopathy
Rheumatoid Arthritis- Life Insurance with Rheumatoid Arthritis
Sleep Apnea- Life Insurance with Sleep Apnea
Stroke - Life Insurance After Stroke
Tachycardia- Life Insurance with Tachycardia Arrhythmia
Tobacco Use - Life insurance for a smoker
Ventricular Arrhythmia- Life Insurance with Ventricular Arrhythmia
Ventricular Tachycardia- Life Insurance with Ventricular Tachycardia
Weight Loss Surgery- Life Insurance After Weight Loss Surgery