High Risk

If you have an illness or disease you may think that it will be impossible to buy life insurance. Actually, that is not true. Many insurance companies cater specifically to people like you. Here’s how to get the coverage you need at a price you can afford even if you face health challenges.

Having a bankruptcy on your credit report, especially recent one, can affect much of what you will do in life. It can certainly have an impact when you apply for a loan, whether it’s a mortgage, a car loan, or a credit card. But it can also have an effect on an application for a […]

Unfortunately, when you are applying for life insurance, it isn’t just your health that comes under the microscope. Your family history is also a factor. That means that even if your personal health history is flawless, you can still be charged a higher premium if a member of your direct family lineage has a history […]

If you have an enlarged heart, getting life insurance can present some challenges. The severity of your condition is critical, as is the specific life insurance companies that make application to. If you do have an enlarged heart, it will be very important that you have a competent agent working on your behalf. This is […]

Cushing’s Syndrome is a less commonly understood health condition, largely because it is highly curable and non-fatal. That’s actually good news, but if you have Cushing’s Syndrome it could cause complications if you want to apply for a life insurance policy. Your application will likely be approved, but it’s a question of the premium level. […]

This is a difficult subject to discuss, but life insurance is designed specifically to deal with the most difficult event in life, so it’s one we have to cover. Suicide, unfortunately is very much a gray zone when it comes to life insurance. With most other causes of death, outcomes are known and more easily […]

Vaping is a fast growing habit, at least partially intended to reduce reliance on cigarette smoking. Though you might think that that fact alone what endear vapers to the insurance industry, it’s actually quite the opposite. Even though vaping has generally been shown to be considerably less of a health hazard than cigarette smoking, life […]

A previous history of cancer can have a major impact if you are trying to get life insurance. Cervical cancer is one of those types of cancer. Yet even if you have had it in the past, it is still possible to get a life insurance policy, even one at an affordable premium. It’s mostly […]

Atrial fibrillation, commonly referred to as A Fib is the most common type of irregular heartbeat. It affects about 2.2 million people in the US, and becomes more common with age. Since it has no immediate effects, it’s possible that you won’t even know that you have it. But what if you do, and you […]

Most people are aware that certain diseases or health conditions can negatively impact an application for life insurance. While that’s well-known to be the case with common diseases like cancer and heart disease, there are lesser known medical conditions that also affect the process. One of those is Addison’s disease, which is so rare that […]

Have you avoided applying for life insurance because you have high cholesterol? It is a health condition that can affect your life insurance application. But the degree of that effect will be determined by how you handle the application process. You can get life insurance with high cholesterol, and even get a policy with affordable […]