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.

Barely 20 years ago, not many people had heard of sleep apnea. As word of the condition spread, people often associated it mostly with an annoying snoring habit. But sleep apnea is a lot more than snoring – it’s actually a health-related condition, and one that can be extremely dangerous. For that reason, if you […]

This is an almost absurd question, isn’t it? After all, pregnancy isn’t a disease or some sort of malfunction, but a perfectly normal way that children are brought into the world. But pregnancy can affect life insurance rates, if only under certain circumstances. It’s best to know when and how, especially if the need for […]

Kidney disease is one of the more complicated high risk factors when applying for life insurance. There isn’t just one type of kidney disease, but several, and each can make it more difficult to buy life insurance. Different kinds of kidney disease Kidney disease can be either congenital – meaning you’re born with it – or […]

Look on almost any life insurance premium chart, and one thing you will notice almost immediately is that life insurance is more expensive for men than for women. There are several reasons for this, and they all have to do with risk. Put simply, men are considered to be a higher risk to life insurance […]

It’s often thought – mostly by cigar smokers – that cigar smoking has no effect on life insurance. After all, it isn’t real smoking of cigarettes, the kind of smoking everyone seems to hate these days. But, in point of fact, cigar smoking does affect life insurance, because cigar smoking is not without risks. And […]

What do getting life insurance and being unemployed have to do with each other? Probably more than you think. You may be able to get life insurance if you’re unemployed – but you might also be declined. Here’s why. A sad reason why you may be turned down From a life insurance company’s perspective, the […]

Chronic obstructive pulmonary disease – better known as COPD – is a more common disease than people are aware. And since there is no known cure, and it is potentially degenerative in nature, it can affect your ability to get life insurance. What is COPD? COPD is a disease that affects the lungs, limiting airflow […]

When shopping for a life insurance policy, it’s natural to want to get the best premium rates that you can. So you shop around between different insurance companies and different brokers to find the best policies for the money. You also weigh out the cost benefit of adding various riders to the policy. All of […]

There’s no doubt about it, life insurance is difficult to get if you’re HIV-positive, and usually prohibitively expensive if you can. That does not mean that there’s no chance of getting any type life insurance whatsoever – only that it will be significantly more difficult than it is for just about any other type of […]

We generally tend to think of DUI (Driving Under the Influence) and DWI (Driving While Intoxicated) as being automobile insurance issues. In fact, they can affect other types of insurance, including life insurance. Why does DUI – DWI affect life insurance When you apply for life insurance, it isn’t just your health history that the […]