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.

Obesity is one of the most difficult challenges to overcome when it comes to life insurance. This is because the life insurance industry views it as one of the most serious health conditions. If you are currently classified as obese and want to purchase a life insurance policy, there will be some obstacles. It’s important […]

Crohn’s disease affects about one out of every 300 people in the United States. That means that there are more than 1 million people who have the condition. Can you get life insurance with Crohn’s disease? In most cases, the answer is yes, but there are a few things you should know if you plan […]

Just in case you thought that the state of your health is all that life insurance companies are concerned with, let’s spend some time talking about your driving record. They’re interested in that as well – in fact, they’re very interested in it. Your driving record is up there with your occupation and your hobbies […]

As if having a criminal record doesn’t have enough problems associated with it, such a history can also cause complications when it comes to applying for life insurance. Depending on the nature of the conviction, and the time that has elapsed since, getting life insurance with a criminal record can be a difficult undertaking. Why […]

An echocardiogram is a test of the heart that can speak volumes about the health of your heart. For that reason, an abnormal echocardiogram can have an effect on an application for life insurance. What Is an Echocardiogram? An echocardiogram is test that measures the performance and functionality of the human heart. The test is […]

We’ve already covered the prospect of getting life insurance with diabetes as a general topic. But today we’re going to discuss the more specific topic of getting life insurance when you have Type 1 diabetes. From a life insurance perspective, type 1 diabetes is considered to carry a higher risk than type II diabetes. This is […]

In a previous post, we already discussed the effects of smoking on life insurance premiums. But in this article, we’re going to discuss the more basic question of how much smoking makes you a smoker to life insurance companies. This isn’t a small issue either. When people apply for life insurance, they typically minimize how […]

Marijuana has been much in the news recently, as an increasing number of states are voting to make it legal, whether for medical use alone, or for recreational purposes. But how does marijuana use affect life insurance? As the legalization of marijuana becomes more common throughout the country, its usage will become a more important factor […]

It’s often thought that migraines have no real effect on life insurance, or that they shouldn’t. Sometimes that’s true, but in severe cases they can have a major effect. But don’t let that discourage you – there’s a life insurance policy out there for nearly everyone! What Are Migraines? Migraines are severe headaches that are accompanied by […]

Just to avoid suspense, let’s answer that question quickly – yes, you can get life insurance with anemia. Feel better? That’s the good part of the explanation. The deeper part is that it won’t be as easy – or as inexpensive – to get life insurance in all cases if you do have it. But […]