Impaired Risk Life Insurance
Can people with impaired health or occupational hazards get life insurance?
Yes, but we need to understand their circumstances.
People are living longer, and with extended life comes increased health risk. Now, those who previously wouldn't qualify for life insurance can often get it through carriers specializing in impaired risk life insurance coverage.
If you have any of the health or occupational risks listed here, you may be eligible.
- Alcohol
- Anxiety
- Asthma
- Blood Pressure
- Cancer History
- Cholesterol
- Crohn's Disease
- Depression
- Diabetes
- Heart
- Hepatitis C
- Melanoma
- Pilot
- Race Car Driver
- Scuba Diver
- Smoker
- Valve Replacement
In the interests of your privacy, call us for an appointment with one of our life insurance specialists. You'll need to be prepared to explain your circumstances, including—
- Name of condition or occupational hazard
- Date of diagnosis
- What treatment was received and when
- All current medications
- History of prior application(s) for insurance
If you have medical records, we'd like to review them with our underwriters.
We have excellent relationships with prominent carriers and their underwriters. And we're easy to work with.
Call us at 732.282.2700.