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Life Insurance for the Health Impaired
Cases where specialists can help the most!
Have you been told you could not receive life insurance or there was a way
to protect you and your family?
Don't Believe That!
A couple of years ago, the market began to open up for the severly health challenged.
We have carriers that have designed products for us - some with special benefits not found in the open market*.
It is amazing what we can do. Understand many people work with 1 or 2 companies and have limited access.
Having choices is what matters.
We will work with hospitals, associations, retirement communities and more to bring seminars and teaching
programs to those who don't understand their options!
People in the below special interest groups, children, parent, or anyone health challenged need to know their
options!
Our Impaired-risk specialists commonly work with people who have been diagnosed with or have a history of
the following and MORE:
- Alcohol or drug abuse
- Tobacco use
- Diabetes
- Cancer
- Heart Issues
- Stroke / Alzheimers
- Depression / Bipolar / Mental Disorders
- Hepatitis C
- Kidney Disease
- Obesity
- Stroke
- Hepatitis C
- Aids
- Emphysema / Oxygen Use
- Non-US Citizens
- Childhood Diseases / Disabilities
- Alcohol / Drug Use
- Felonies
Qualifying for low cost insurance may not be an easy task, especially if there has been a prior history
of medical issues.If there's a health problem in your medical history, you may want to enlist the help of
an impaired-risk specialist.
Impaired-risk specialists understand which life insurance companies tend to offer the most competitively
priced policies for applicants with high risk lifestyles or medical issues. Some insurance carries have
different health guidelines and ccept risks for medical issues more than others.
Some will offer better prices for people with heart disease or diabetes than other companies.Other life
insurers are more lenient when it comes to cigar use or tobacco chewing. Lifestyle can play a factor as
well. High risk activities such as high speed sports, scuba diving, pilots, and foreign travel can create
underwriting issues with some carriers. That is one of the reasons getting quotes online are often
erroneous - and certainly cannot maximize your benefits.
Some of our programs offer accelerated terminal illness benefits in the event you become terminally ill,
you can access a portion of the death benefit to help pay for bills today. This can allow you to keep your
home or save your lifestyle.
One of our carriers have special member benefits that are HUGE! Fun family events, legal and financial
counseling / aid,critical illness free member allowing for $2000 given in the event of heart attack, terminal
cancer, college grants for children,orphan benefits and more.Not all people qualify or available, yet these
benefits are incredible and worth a try.
This is where we work with you, to help you and your family maximize your protection benefits.
Specialize agents who understand medical conditions can help the clients qualify for the best programs
for their specific situattion and goals they wish to accomplish for their families - within their budget too.
They know which insurance companies are likely to be the most lenient in underwriting a case and seek
multiple competing quotes from those insurers.
Regardless of age, health or lifestyle, we can get the least expensive insurance available for 99% of the
people. Large cases can pose an issue as carriers are very relunctant to cover large amounts of money
for the health/ lifestyle challenged. Yet , for larger cases, we do have carriers or put a plan in place that
works.
Anyone receiving "preferred quotes" online or from agents, when there are health / lifestyle challenges
are often inexperienced or just hoping it will go through on the back end - it can also raise the risk of
getting rated or denied that could potentially cause issues in disqualifying from programs - they rarely
deliver and function on in numbers.
Here we don't want to play Russian Roulette with you and your family's protection, so be cautious on
anyone who quotes preferred when there are health or lifestyle issues known. or put you through
multiple denials - we work to keep it simple.
We do special educational programs and work with institutions / associations to help protect people
who may not know they can get protection along with assisting them with retirement protection /
lifetime income needs.
Again, we take the whole family, your goals in mind. We are happy to look at current plans you may
have in place and see if we can maximize your benefits - often times we can. If you have a program
that is great, then we will tell you - however, you don't want to get caught with an inadequate policy -
it comes to life at one of the worst times.
Should I pay for my loved ones policy? Read more....
Our goal is to help you look at where you are right now, to where you
would like to be.
Need help? Fill out form to get your Secure Lifestyle Protection Plan.
* Not all programs, carriers or agents available in all states - call us now - we are hiring too. Carriers have various state and
health underwriting guidelines. We will look at your goals, your health, and your budget with the carriers to meet those needs
to maximize beenfits. Consult CPA's, tax attorneys for tax and estate advice. We work to fulfill the ultimate goals. Most of these
professionals do not represent these programs in details and can only advice you on their area of expertise. The opinions
expressed here does not indicate you are not covered properly by your advisor.
Newsflash
North and South America ... Females have an average life expectancy of 79.5 years, up 0.1 years. Women can still expect to live longer than men on average, |