High Risk Life Insurance

People in good health often take for granted how easy it is to qualify for important insurance coverage—until it’s too late. Others may never get that opportunity.

You may consider yourself healthy—and even your doctor might agree—but insurance companies can decline coverage due to a single condition, a combination of issues, or even your build.

If you’ve been turned down before due to health history such as HIV/AIDS, cancer, a recent heart attack or bypass surgery, or even a liver transplant, don’t give up—we may still be able to help.

• Some policies ask no medical questions at all
• Minimum issue age is typically 40 in most states
• No physical exams or doctor records required for select plans
• Depending on your age and state, coverage may be available up to $1,000,000
• Guaranteed issue plans usually cap around $50,000
• Policies are typically permanent (Whole or Universal Life)
• Been declined elsewhere? Give us a call—we specialize in hard-to-place coverage

We work with a select group of insurance companies that understand high-risk cases and each evaluates applications a bit differently. Our goal is always to help you secure the coverage you need—even if premiums are higher than standard rates, they’re often more affordable than people expect.

The more details you can provide about your medical history, the better we can tailor a solution. If you'd prefer to discuss your situation by phone, just give us a call—your information is always kept confidential.

To begin, complete the short form below to receive personalized quotes.

Please note: Some plans without medical exams still include health questions, and most guaranteed-issue policies have 'graded benefits,' meaning the full death benefit is not available immediately. We’ll make sure all of this is clearly explained when presenting your options.