You Want to Buy Life Insurance? Impaired Risk Doesn’t Have to Stop You
Need Life Insurance but have an Impaired Risk?
You want to purchase a life insurance policy so that should you die your loved ones will be properly taken care of. The only thing standing between you and doing your insurance shopping research is that you have a pre-existing health condition and you’re worried you will be rejected.
If this sounds like you, you’re not alone. People throughout the United States give up on the idea of owning life insurance because they’ve had heart surgery, have multiple sclerosis or diabetes. Perhaps you’ve already contacted your local life insurance agent, told them of your condition, only to have them say there’s no hope for you owning life insurance. The truth is, when it comes to owning life insurance, an impaired risk is not the end of the world.
If you suffer from an existing health problem or have a medical history that is less-than-perfect, you should start by talking to a licensed life insurance agent about your options. Better yet, talk to one with experience in insuring people deemed an impaired risk. Like US! With life insurance, impaired risk is basically the term given to anyone who does not have a perfect bill of health, but this isn’t to say that there isn’t a way for you to get an insurance policy that still suits your needs. In most instances, it may just be a matter of choosing the right insurance provider or paying a slightly higher amount of your insurance coverage. Either way, good solutions are available to you.
If you’re unsure as to whether or not you would be deemed an impaired risk, contact one of our licensed agents to learn more. These professionals know the industry well enough that they can recommend specific insurance providers who are more likely to provide you with insurance. This will undoubtedly save you time and money. The important thing is to not give up on your search for the right insurance policy before you’ve even started.
Fill out an online quote below and request an application and we will put an impaired risk life insurance Specialist in your corner.