Each life insurance company is going to look at each health issue differently. They all have their own underwriting guidelines.
The key in finding the best life insurance rate is finding the company that will look most favorably at your health and lifestyle.
That's what we do at Root Financial. We take people who have been highly rated or even declined and find them affordable rates. In these cases we perform a life insurance prequalification. In a nutshell:
- We complete an ANONYMOUS "pre-qualification" letter with detailed information regarding your health and send it out to all our our life insurance companies.
- The life insurance companies will make tentative offers (or decline). We sort through all of them and present you the best one. (Please allow 2-3 days for all the offers to come in)
- If you decide to apply, we get that "pre-qualification" offer in writing and attach it to your formal application. As long as everything in your medical records and lab results confirm what you told us, that will be the rate you get. No surprises.
Not many agents or agencies in our industry do this. It's very time consuming. We're willing to give each client all our efforts as long as they are serious about obtaining affordable coverage. Be honest and detailed about your health (no sugarcoating) - and we'll find the best rate you can qualify for.
We work with different health issues every day and try to write as many articles as we can to help consumers understand how their health issues will effect their life insurance.
Here are some of them:
Arthritis
Asthma
Breast Cancer
COPD (Chronic Obstructive Pulmonary Disease)
Crohn's Disease
Diabetes Type 1
Epilepsy
Heart Attack
Hepatitis C Life Insurance
Multiple Sclerosis
Skin Cancers - Basal Cell Carcinoma, Squamous Cell or Melanoma
Sleep Apnea
