High Risk Life Insurance Experts

Life insurance is one of the most important purchases that you’ll ever make for your loved ones. It’s important that your family has the insurance protection that they need, regardless of what happens to you.

When you apply for life insurance coverage, the insurance company is going to look at dozens of different factors to determine how much they will charge you for that policy. The more risk that you are for the insurance company, the more that they are going to charge you for the coverage.

There are dozens of different things that could cause you to be considered a “high-risk” applicant. These applicants are going to pay more for their policy, and in some cases they could be declined for life insurance coverage.

If you’ve ever received expensive quotes or been declined for coverage, don’t assume that you can’t get affordable life insurance. There are plenty of options to get the insurance protection that your family deserves.

High risk life insurance takes an experienced life insurance agent to find the most affordable rates.

If you’re looking for high risk life insurance quotes, you need to know that 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. This is the key also for those looking for affordable life insurance for diabetics.
Do not allow any type of health issue to stand in the way of you seeking out the best policy for you, there are options out there such as no medical exam life insurance that could be the best choice for you, 

The Rootfin Difference

That’s what we do at Rootfin. We take people who have been highly rated or even declined and find them affordable rates. In many 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’re 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. 

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What To Keep In Mind

Life Insurance agents all use the same published rates. It doesn’t matter if you go direct to the company or use a broker like Rootfin. What makes the difference is the health rating you obtain. That’s where an impaired risk specialist can save you A LOT of money.

We know what companies look at certain risks most favorably and like an artist, we paint your risk in the most favorably light to an underwriter. It truly takes an experienced and skilled life insurance agent to work with high risk individuals.

For Example: Agent A could obtain an offer for Table 4 rates at $200/mo with Mutual of Omaha. Agent B could obtain a Standard rating for $100/mo for the same risk with the same exact company. It matters who you use

Life insurance underwriters will ALWAYS offer the best possible rate class given their findings on your application, medical exam and medical records. However, an good high risk life insurance agent can sway an underwriters opinion if they’re on the cusp of one health classification or another.

High risk whole life insurance is underwritten differently than high risk term life insurance. For example: You could receive a “Standard Table 4” rates (double your Standard premiums) for a term life insurance policy, but receive a “Standard” offer for a whole life insurance policy for the same exact risk.

For those with VERY high risks. Including those looking for life insurance with HIV or cancer with a negative outlook, there are guaranteed issue life insurance policies on the market. These are more expensive and typically have a 2-3 year waiting period before full benefits are paid. There are several of these high risk life insurance companies on the market and we can compare those rates for you.

We know that finding the perfect life insurance plan can be a long and difficult process, but it doesn’t have to be. Our Rootfin agents can make the process as quick and straightforward as possible. It’s our mission to ensure that you get the perfect coverage at an affordable price. Because we are independent agents, we work with dozens of highly rated companies across the nation, which means that we can bring all of the best plans directly to you, without the hassle of calling all of the companies yourself.

You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the life insurance protection that your family needs. If something tragic were to happen to you, and you didn’t have life insurance coverage, your family could be left with a massive amount of debt. Leaving them with a mountain of bills and final expenses is the worst thing that you can do for your loved ones, but that’s where your life insurance plan comes in.

Getting Affordable Life Insurance

One of the most common reasons that high-risk applicants don’t get life insurance is because they assume that it’s going to be too expensive to fit in their budget, but in most cases, that isn’t true. There are several of affordable options for life insurance, and there are some lifestyle changes that you can make to secure better premiums from the company.

Before the insurance company approves your application for coverage, they are going to require that you take a medical exam (unless you buy a no medical exam plan), and the results from the exam are going to play a major role in how much you pay for your coverage. If you want to save money, you’ll need to get better results from the test.

There are several ways that you can get lower premiums, the best way is to improve your overall health. The first two things that you should do is start a healthy diet and get regular exercise. Both of these can help you lose weight, lower your cholesterol, and reduce your risks of being diagnosed with other health complications later in life. Lacing up those running shoes and putting them to use could save you hundreds of dollars on your life insurance plan.

The next thing that you should do is eliminate any tobacco that you use. If you’re listed as a smoker on your life insurance application, you’re going to pay a lot more than a person that doesn’t smoke. In fact, smokers are going to pay twice as much for life insurance protection versus what a non-smoker is going to pay for the same amount of coverage. If you want to get the most affordable plan, it’s time to kick the bad habit once and for all.

It’s also important that you purchase the right amount of life insurance coverage. If your plan is too large, you could be wasting money on additional coverage that you don’t need. Before you apply for coverage, it’s important that you calculate your life insurance needs. If your plan is too small, your family could be left with additional bills, but too large of a plan will be a waste of money.

High-Risk Applicants

Life insurance is one of the best safety nets that you’ll ever purchase for the future of your family, but if you a pre-existing health condition, the life insurance company could tag you as a high-risk applicant. Don’t worry, we can help you get a quality insurance plan at an affordable rate.

If you have any questions about getting life insurance for high-risk clients or questions about the different coverage options for you, please contact one of our agents today. We would be happy to answer those questions and ensure that you’re getting the best plan to meet your needs. We can help you compare dozens of plans at once and secure the best rates for you. We make it so easy for you to get coverage that you have no excuse to wait any longer.

There are guaranteed Policies on the market.

Just call us at (888) 430-7668 and ask for a custom life insurance quote.

LifeMatrix™ is a technology you can only get from Rootfin.

Our database spans a decade providing a constant pulse on the life insurance market.