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Life insurance for high risk people ~ What you thought you knew
Notably, it makes logical sense that obtaining a cheap term life insurance policy is more accessible for healthy people. Moreover, those considered higher risk will have a difficult time, indeed. Considering, those who aren’t necessarily in tip-top shape, or for those that live out what is to be a ‘high-risk lifestyle.’ In other words, they’ll likely need to settle for a high-risk life insurance plan. Nevertheless, getting a 20-year term life policy is the most common policy.
There are plenty of factors that go into which life insurance plan you’ll be able to obtain. For example, this includes family history, occupation, whether or not you smoke, etc. These are all factored into your ‘health score’ if you will.
"We Specialize In High-Risk Life Insurance" ~ Danny Ray, PinnacleQuote
THE TRICK TO RISKY LIFE INSURANCE APPROVALS
Some insurance providers are more lenient on specific health issues than others. What the above sentence means is that every insurance company determines your degree of risk otherwise. Some carriers may treat your diabetes as well managed because an evaluation that was in range. Furthermore, other carriers might see your diabetes as unmanaged resulting in for a substandard rating.
Working with a PinnacleQuote agent is key. He will know which carrier will be the most affordable. In fact, a PinnacleQuote agent will supply you with the best product for your particular health situation.
We have experienced success with Numerous Risky life insurance and health impairments cases such as:
How do I Save Money on my High-Risk Life Insurance Quote
By contacting us! At PinnacleQuote, there are several ways that we can save you large sums of money. We have a ton of resources.
Above all, we understand how to find your excellent life insurance plans, despite being considered high risk. We only work with A.M. Best superior rating company for financial stability.
Here are a few of the ways we can help:
- First, contacting several insurance companies, which allows us to find the best rates/coverage for you.
- Second, being familiar with which companies may not consider you as high of a risk, according to your specific lifestyle.
- Third, saving you the time, you would need to contact all these companies yourself!
Life Insurance for High risk seniors
Common health problems in elderly:
- Diabetes (adult onset)
- Falls - leading to fractures
- Heart conditions
- Pneumonia/ lung disease
- Heart disease
Some of these will not fall into a standard rate that companies offer based on the condition. When applying for life insurance there are many factors these carriers consider. Especially impaired risk life insurance, a dangerous job and certain medical conditions will put you into that high risk category, resulting in premium payments being a bit more expensive. You must remember though, you are paying for peace of mind. In the event of your death, you do not want your family struggling to pay your final expenses out of pocket.
WHAT ARE SOME HEALTH CONDITIONS CONSIDERED ‘HIGH RISK’
Below are medical high risk life insurance examples.
Primarily, falling into any of these categories, consumers most likely will be a high-risk life insurance individual. Even more, life insurance for seniors over 75 will have a hard time getting life insurance with these impairments. However, getting life insurance at any age, rates will be higher if you're high risk.
"Affordable High Risk Life Insurance Is Our Specialty" ~ Danny Ray, PinnacleQuote
WHICH HEALTH IMPAIRMENTS ARE CONSIDERED SERIOUS AND WHICH ONES ARE CONSIDERED NOT SO SERIOUS
Not to sound like a broken record, but let’s focus on which health issues will affect rates the most.
Good news, In most cases, these will have no or little effect on your life insurance premiums.
CASES OF MINOR MEDICAL ISSUES:
EXAMPLES OF SERIOUS MEDICAL PROBLEMS:
- Type 1 Diabetes
- Sleep Apnea
- History Atrial Fibrillation
- Mini Stroke/TIA
These may be approved for normal rates,(Standard/Standard Plus).
EXAMPLES OF RISKY MEDICAL PROBLEMS:
- Crohn’s Disease
- Heart Diseases such Coronary Artery Disease (CAD)
- Organ Transplants
- History of a Cancers
- Kidney Disease
- Drug Abuse
Obtaining life insurance in these cases, would be considered substandard rates to a decline.
What is risk and how risk is determined in life insurance
Besides, many of these may be relatively obvious. Any job where your life is potentially at risk. For instance, this includes jobs that require having a gun, wear heavy protective gear, work from dangerous heights. Also, travel to what are considered high-risk areas (the US State Department has a dangerous travel list), etc.
Then you’ve got your non-medical high-risk cases, at which we additionally focus. Why is this essential?All these really are the elevated risk Life Insurance individuals who might work at a hazardous job or possess dangerous hobbies, such as motorized racing or skydiving. Plus so they too have to need to pay high premiums compared to the common person.
Life Insurance For High Risk People....
Life insurance for HIGH RISK OCCUPATIONS
Here are some examples of cases dealing with dangerous occupations/avocations:
- Private Pilots/Private Aircrafts
- Scuba Diving over 100 feet
- Commercial Fisherman such as lobster boats for example
Clearly said, we have seen the very best solution for a term and whole life insurance for those who have medical impairments or accepting drugs or every other risk factors.
Guaranteed issue life insurance ~ if all else fails
As a final point, get in touch with us, as we offer guaranteed life insurance plans. You can obtain a term life insurance plan, as opposed to a pricier and less flexible permanent life insurance plan. However, we’d also recommend doing whatever you can to live a healthier lifestyle. No medical exam required. No health questions. No Exam life insurance ~ Period!
For example, eating a balanced diet, exercising regularly, and stopping unhealthy habits, such as smoking. Life insurance in your 30’s will be the last decade you will be able to get the lowest prices. Unless of course your looking for life insurance after a DUI or any other special risk life insurance. To conclude, life insurance in your 50’s is the last decade before rates start going through the roof.
TERM LIFE INSURANCE FOR HIGH RISK
In our experience, the way you approach looking for a quotation or policy may play a vital part in obtaining the perfect policy. For an example, there are particular cases when we recommend a Term Life Policy instead of a Permanent Life Policy as it may help widen the options amongst firms competing for the organization and keep costs low for those considered risky.
With PinnacleQuote, we work with over 50 life insurance companies. Many are well known because of their handling of “risky” cases of individuals with preexisting conditions, call us to find out which carriers will look at you most lenient. PinnacleQuote can enable you to get the best selection of options and choose only the perfect policy for you personally.
HIGH RISK LIFE INSURANCE COMPANIES
Are you looking for high risk life insurance coverage? It will save you time, money and a lot of frustration by calling upon your independent agent. The following are the top carriers we recommend. But remember, every carrier will look at every person differently, based on health and lifestyle and of course history.
- Banner Life
These are just a few of our faves who offer life insurance.
LIFESTYLES AND HIGH RISK LIFE INSURANCE
Nobody wants to believe in dying. It’s a negative idea, but it’s something you can not avert, rather than likely for this is a risky decision. Would it not be difficult for your survivors to live the identical lifestyle they are accustomed to in the event that you should expire? Probably not!
Accidents by definition are unplanned. Thus begin formulating a plan today to secure your loved ones for future years. Getting high-risk is okay, but additionally, it means you should consult with experienced brokers who know coverage options in the insurance industry.
A PinnacleQuote agent has a great deal of experience working with high-risk candidates as well as our research proves we will fight for you to get qualified for coverage. Don’t waste your time on the phone calling dozens of organizations, let us do most of that work for you.
Can you get high risk life insurance? ~ contact Danny Ray at PinnacleQuote Today...
GETTING APPROVED FOR HIGH-RISK LIFE INSURANCE
Here at PinnacleQuote, we can connect you with the top life insurance companies. Once we gather your information and estimated budget, we guarantee the life insurance company that best meets your needs.
Once we connect you with your optimal life insurance company, you’ll likely go through a physical, so that they can gain more information on your health status. However, it’s possible to get life insurance without a physical.
It’s easy to put it off, but the truth is that life insurance is essential to have, especially for those considered high risk. After obtaining a stable life insurance policy, you’ll feel relieved to know that adequately protecting your family. Primarily, against your debts and final expense.
WHAT IS THE PROCESS
We use risky life insurance customers every day so we know the ideal method to receive your hazard found in a fantastic light. We all get your information such as what sort of illness, hobby or occupation that you have that’s considering you risky. The underwriter will receive a list of your medications too and we start there. We are going to take it to the insurance firms and determine which one will provide you with the very best speed for your situation. We comprehend exactly what is identified as a “Quick Quote” if mandatory that’s a preapproval out of the life insurance provider and we send that along with the application form to move it quickly and readily.
Finding reliable high risk life insurance
Once an individual has an absolute way of life or health condition that raises their danger of passing prior to an average lifespan, they will thus be classified as large risk from the life insurance carriers. It adds a certain risk factor to the insurance company where they will bill significantly more than before for that man to receive a definite life insurance plan.
Many men and women feel that simply by being at a risky label that you have no other likelihood of receiving standard or premium life insurance prices or even being able to get life insurance in any way. So, the simple truth is it is possible to get affordable life insurance because of high risk individuals. One of the essential things you need to do is utilize a life insurance professional who knows how to recognize the chance and certainly will help do all types of policy-related actions.
WHERE CAN I GET THE BEST QUOTE FOR LIFE INSURANCE
First, PinnacleQuote is here for you.
Second, protecting your family is our top priority.
Third, We can help set you up with the best life insurance companies and find the most reasonably-priced policies for you.
Finally, working with us WILL save you a tremendous amount of frustration, time, energy, and .
Although, PinnacleQuote is based out of Duval County, Jacksonville, Florida, I have clients Nationwide. I am a family protector. Having over 25 years under my belt this still is my passion.
We are a family owned business, I work side by side with my Fiance, Lisa. She does all our marketing and promotions. In addition, she is our final expense specialist.
If you are looking for high risk life insurance agents who have years of experience in every high risk impairment. Call today!
Any questions, do not hesitate to call (855)-380-3300.
Life Insurance ~ The last way to say I Love You....