It’s a good idea to buy high risk life insurance if you:
- Have a health condition that is hard to insure, such as
diabetes, cancer, or heart disease
- Participate in hazardous or dangerous activities
- Have a job that puts you in hazardous or dangerous situations
All three of these circumstances mean that you’re a higher risk for a life insurance company to insure. You can probably guess what that means—you’re likely to pay more than someone the insurance company considers a lesser risk.
Luckily, you found Wholesale Insurance! We specialize in helping people get covered, even with high risk lifestyles or health conditions.
High Risk: Health Conditions
Even if you’ve never skydived a day in your life and have a job that keeps you out of harm’s way, you could still face high monthly payments for a life insurance policy.
It could happen if your medical records show you have a medical condition such as sleep apnea, diabetes, or a coronary artery stent. If you’ve been turned away by other providers because of your condition, give us a chance to see what we can do for you.
We’ve helped customers just like you find good quality affordable policies for whole, universal, and term life insurance. Here’s just one example of what we’ve been able to do to help:
Real life situation: A 56-year-old dentist had a stent inserted in his artery 8 months ago. One insurer wouldn’t issue him a policy at any price, while others refused to insure him for 5 years. We found an A+ company that had researched this condition and found that almost all stent problems happen during the first 6 months. Our client was well past that mark! Because this company did their homework, and because we reached out to them, we were able to get the dentist a $1,000,000 policy at standard non-smoker rates.
High Risk: Lifestyle & Occupation
Okay, so you’ve mastered the one-handed Superman wheelie. Easy, right? Compare that to finding affordable life insurance if your career or hobbies involve activities like these:
- Rock climbing
- Car or motorcycle racing
- Base jumping
- Hang gliding
If you do any of the following for a living, you might also end up on an insurer’s high-risk list:
- Construction workers
- Skyscraper window washers
- Scuba divers
If we’re describing your life, give us a call. We’ve been able to help people in occupations like these reduce the cost of their current policies, as well as get new policies that are affordable and provide solid coverage.
A number of providers specialize in high-risk polices, and we know exactly which ones they are. Talk to us, tell us about your lifestyle, and we’ll match you with the provider that’s most likely to work for you. For more information on high-risk activities, check out our video below:
How We Help You Save
It’s easy. Most insurers use mortality tables based on 30-year-old data (mortality tables are what they use to determine your rates). Luckily, a handful of other companies use what’s called “clinical medical underwriting”—an underwriting philosophy that takes the latest medical advances and lifestyle choices into consideration.
In other words, they understand that the technology available to modern medicine, plus the healthy choices you make, mean that outdated mortality tables aren’t the best way to evaluate risk. This is great news for anyone who’s been considered a high risk to insure!
We know which companies use clinical medical underwriting, and we can get you the best quotes at the best rates. For high risk life insurance, we’ve got you covered.
Call us at 1-800-823-4852 or click the button below to get started right away.
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