You don’t have to let a health problem stop you from getting affordable life insurance.
With our life insurance service, you’ll be matched with life insurers that understand health issues.
High Risk Life Insurance Overview
- Cancer History
- Diabetes and Endocrine Disorders
- Heart Conditions
- HIV Positive
- Mental Health
- Prostate Disorders
- Brain Disorders
- Non – Medical Risks
How does cancer affect life insurance?
Each person’s cancer history is uniquely different.
The best way to help you was for us to put together the following guide that details cancer underwriting.
In the above post, we cover many types of cancer including:
- Bladder Cancer
- Breast Cancer
- Cervical Cancer
- Colon Cancer
- Kidney Cancer
- Prostate Cancer
- Skin Cancer
- Throat Cancer
- Thyroid Cancer
You will find life insurance details by the type of cancer, cancer stage, treatment received, etc.
Diabetes and Endocrine Disorders
Endocrine disorders require expertise to help you find your best life insurance rate, and that’s exactly what we do:
You’ll find individual articles on the following:
- Addison’s Disease
- Metabolic Syndrome
- Thyroid Conditions
The above details everything you need to know in order to get affordable life insurance rates.
Life Insurance with Heart Conditions
Heart conditions require someone with expertise who know what questions to ask you in order to help.
The following heart guide details everything:
Heart issues reviewed include:
- Abdominal Aortic Aneurysm
- Abnormal EKG
- Atrial Fibrillation
- Bundle Branch Block
- Bypass Surgery
- Coronary Artery Disease – CAD
- Heart Attack
- High Blood Pressure
- Mitral Valve Prolapse
You’ll find price ranges and expectations in the above guide.
HIV Positive Life Insurance
The following life insurance article gives you everything you need to know.
The above article details HIV underwriting by the company and provides sample rates from those companies.
Gastrointestinal and Internal Organs
The following article details how Inflammatory bowel diseases (IBD) affect your life insurance underwriting.
In the above article, you’ll also find detailed guides for the following:
- Crohn’s Disease
- Ulcerative Colitis
- Elevated Liver Enzymes
The above guide details underwriting, questions to expect, and the best companies by type of medical condition.
Find out what matters most to underwriters in the following article.
The above article details life insurance outcomes for the following:
- Bipolar Disorder
Check back often as we continually update the above mental health article.
We have some great companies that specialize in prostate disorders.
The above guide covers:
- High-Grade PIN
- Low-Grade PIN
Underwriters want to know about your PSA history and biopsy results when determining your life insurance rate.
The following article provides detailed information about:
- Asthma Life Insurance
- Sleep Apnea Life Insurance
You’ll get detailed information to help you get your best life insurance rate.
Brain and Nervous System
Nervous system conditions covered in the following post:
- Mini-strokes, TIA
- Multiple Sclerosis
In the above guide, you’ll find detailed help for your condition.
Other Medical Conditions
A number of medical conditions do not fit traditional underwriting categories.
For those conditions, you’ll find detailed guides in our underwriting BLOG.
Conditions such as:
- Alcohol Treatment History
- Naloxone Life Insurance
- Truvada Life Insurance
Tobacco and Nicotine Users
Everything you need to know including how to qualify for non-tobacco rates when available.
We provide detailed information, including which companies are best for the following:
- Chewing Tobacco
- Cigar Smokers
- Cigarette Smokers
- Pipe Smokers
Whatever type of tobacco or nicotine products you use, you get the best advice from the above article.
Non – Medical Risks
Certain activities that you participate in may be considered high-risk from an underwriting standpoint.
Activities such as:
- Private Aviation
- Scuba Diving
- Mountain Climbing
- Motorized Racing
Our Avocation Underwriting section provides details.
No matter what type of avocation you participate in, we have life insurance options available for you.
Get Your Best High-Risk Life Insurance Rate
With high-risk life insurance, it’s all about the underwriting.
We wrote the following comprehensive guide to help you find affordable life insurance
Underwriting topics reviewed in the above article include:
- What to do when you’ve been denied life insurance?
- How family history may affect your life insurance rates.
- What are table ratings, and how do they work.
- How flat extras work.
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.
High-Risk Life Insurance Policies
When ratings are added to your policy, it makes sense to look at different types of life insurance to best meet your needs.
That’s where the following guide will help.
In the above guide, you’ll find lots of great ideas for insurance planning, including detailed articles about:
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
- Accidental Death Insurance
- Guaranteed Issue Life Insurance
- Staggered Life Insurance (laddered life insurance)
This guide provides information about products, term lengths available as well as the benefits and features of each type.
High-Risk Life Insurance Companies
No single life insurance company is best for every health issue, and many insurers want nothing to do with health conditions.
According to the CDC, millions of adults in the U.S. have serious health conditions that may affect their insurability.
Life insurers have strengths and weaknesses depending on the type of health issue involved, occupation, or activity.
For example, some companies are very good with diabetes, while others specialize in prostate cancer underwriting.
Risk-Free Shopping – You’ll receive the life insurance quotes you need to make an informed decision.
We’ll tell you everything you need to know, including…
Which life insurance company is best for you and why they are best for you.
We provide you with accurate quotes from all companies.
Keep in mind that with our service, there is never any pressure or obligation.
At any time 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
by Michael Horbal – Updated on January 26, 2021