High Risk Life Insurance

I'm a life agent but I'm also a pilot and a skydiver. Yet I have a life insurance policy to cover my wife and our future kids. While there aren’t a large number of skydivers in the world, there are a lot of pilots who may think a life insurance policy is either unavailable or too expensive. Also, a history of heart disease or a recent battle with cancer does not necessarily mean a declined application. If you’ve only been talking with your local agent, I encourage you to contact us for more information.

Also, a history of heart disease or a recent battle with cancer does not necessarily mean a declined application. Depending upon the time frames we can outline what options are available. Even if you have active cancer you can still get life insurance! Heart disease or diabetes can be underwritten very aggressively with some select carriers, who will not only offer a policy but do so at a competitive rate. Maybe you are mostly healthy but have a history of asthma or anxiety, or maybe even epilepsy. If you have no other issues affecting underwriting and have one of the aforementioned conditions, you can get a life insurance policy possibly rated as high as Preferred!

Life insurance carries with it the notion that one needs to be healthy in order to receive coverage, and for those individuals with a history of serious illnesses or high risk activities the only option available is to go through life rolling the dice. This notion is inaccurate, and many of these cases can actually be put in force with competitive insurance companies. If you have questions, give us a call for a complementary analysis.

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