Life Insurance for People with Bad Health History
Have you been told that you could not get life insurance and thus were uninsurable 
because of present bad health or a past medical history? Have you been declined for life insurance? Has your present life insurance policy been rated. Are you paying very high premiums on life insurance? We can help!
Working with Top Rated Insurance Companies
Using years of experience in the life insurance business, we have pre-selected top rated insurance companies (third party info available) who offer great rates to people with past or present health issues.
No Exam Life Insurance for People With Health Issues
This is by far our most popular plan. The no exam life insurance plan allows you to follow a simple application process and, most times, get a final answer in as fast as the same day. Now you don't have to take the risk of worsening your MIB records by going through an insurance exam. It has been our experience that the no exam life insurance plan, has actually yielded better results than the supposed, better priced, exam required plan.
Is the Coverage Available Right Away?
In most cases, coverage is immediate (not graded). Depending on your past or present health history, we can often tell you before you apply, what outcome is most likely to happen. Since we have been given more underwriting power, we can get you most likely final rates too. We know you don't want to waste your time applying for a policy that is either not likely to get approved or, if approved, will be priced way out of your range of afford ability.
BEWARE - Just like with your credit report, every time you get turned down or rated for insurance it shows up on your MIB (Medical Information Bureau. More on MIB) report. What goes on that report is important. You want to avoid certain bad marks as much as possible as it may negatively affect, reduce or eliminate your impaired risk life insurance options. We cannot guarantee that you will not be declined, but our pre screen system allows us to find companies that are interested in approving you.
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