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Applying for High Risk Life Insurance Due to Medical Conditions

Life insurance for people with medical conditionsIf you are having problems finding affordable term life insurance quotes due to medical conditions or you are simply finding the life insurance premiums you have been quoted are higher than you expected, do not hesitate to call us today. We can help you find the life insurance you need at the premium you can afford. We have helped people who have or had medical issues such as Heart Disease, Cancer, COPD, Diabetes, Hypertension, High Cholesterol, Lupus, Crohn’s Disease, Bi-Polar Disorder, Anxiety, Hepatitis C, Barrett’s Esophagus, Breast Cancer, Open Heart Surgery, Multiple Sclerosis, Sleep Apnea, Stent Surgery History, Colon Cancer, Congestive Heart Failure, Strokes, Overweight/Obese, life insurance for smokers, Alcohol Abuse, Drug Abuse and many more diseases and conditions.

Many people who want to apply for life insurance at an older age such as their 50s, 60s, 70s and even into their 80s find the life insurance premiums higher than what the younger folks would pay. With the arsenal of companies we represent we have an excellent track record of finding affordable Term life insurance for our clients without having to turn them down because the life insurance company declined them or have them walk away with no life insurance due to the high cost of the premium. You can run our life insurance quote engine and view life insurance quotes with no medical exam required and we also offer Guaranteed Issue life insurance as well. There is no doubt in our minds that we can help you find the correct policy for your needs at a premium you can comfortably afford. Just because you have health issues does not mean you cannot purchase life insurance. We prove this every day.

Instantly Compare Term Life Insurance Comparisons Online

Lowest Term Life Insurance Rates OnlineDon’t hesitate to call us today. We have the resources and the experience to help you. For well over 20 years we have been helping people find term life insurance with the lowest rate available. We also provide the best selection of permanent life Insurance such as Universal Life and Whole Life from the highest rated carriers displayed online including Senior Life insurance plans. As independent brokers, we work on your behalf and not an insurance companies. If you are in perfect health or have high risk medical conditions we can help you find the most affordable life insurance from well over 40 trusted carriers. We can also help you find the lowest rates for smokers even if you smoke cigarettes on a regular basis. Feel free to run our life insurance quote engine and compare the lowest life insurance rates online in less that a minute.

Our modern quote engine will display Term as well as permanent Universal Life plan designs as well from the most competitive life insurance companies in your state. Universal Life plan designs provide coverage for the rest of your life exceeding the industry maximum of 30 years of Term insurance. Keep in mind that there is no charge or obligation for our service. Most people are looking for cheap life insurance and the plans that we offer from Protective Life, Transamerica, American General, and Banner Life just to name a few, offer some of the lowest rates in the industry. Our quote engine will also display the plan design and companies on a side by side basis so you can easily see who has the lowest rates available. We also take good care of our military veterans that work hard to protect our great country.

Give us a call today and let us help you find the best life Insurance rates for your specific needs quickly & easily. You can compare all your options from the comfort of your own home with our quote engine. Ladies, check out our blog post, Term life insurance quotes for women.

Save Time and Money When You Purchase Your Life Insurance Online

Term life insurance quotes onlineAll forms of life insurance can now be purchased online just like many others products such as cars, homes, legal services, online banking, investments and many other products and services that were originally always purchased in person. In fact the life insurance industry has now designed the quoting and application process to primarily be done online instead face to face. You can now start your computer and compare the best life insurance rates offered by all of the highest rated insurance companies in the matter of minutes. People used to have to travel to their local insurance agency or request an agent to visit their home and discuss the purchase of life insurance products one company at a time. Those times are gone for good opening up the door to a modern and convenient new era.

In our modern times you can now compare the best life insurance quotes from the top carriers in less than a minute and compare them side by side to see how they stack up next to each other. This concept has influenced the insurance companies to show the best life insurance rates possible to make sure they are competitive with their competition. Life insurance shoppers can now have the advantage of intense competition between the carriers thanks to the modern life insurance quoting tools that will display how one company compares to another.

We Now Utilize Simple Telephone Applications to Save You Time

Term life insurance applicationsFor many years people would always dread the idea of having to complete a 30 page paper application. Then the times changed and the invention of the online application saved the day and expedited the application process. We now use the very simple telephone applications to again cut down on the time consumption and make the application for life insurance more simple for everyone concerned. Now after an individual goes over the list of companies and determines what carrier will give them the best life insurance rates, they can move into a 20 minute telephone application and get the ball rolling faster than ever before.

If you are applying for high risk life insurance due to some complicated medical conditions, you can now explain all your medical conditions over the telephone instead of having to answer all the questions on separate sheets of paper which can be very time consuming. Applying for life insurance has never been easier. A No Medical Exam Term life insurance application is extremely short with on an average of 10 questions and does not require a visit from a Nurse for a medical exam. The plan designs can be approved in 24 hours.

Life Insurance for Seniors Over 65, 70, 75 & 80 with Medical Conditions

Senior Life InsuranceIf you are  currently in your 50s, 60s, 70s or even in your 80s, you can still purchase affordable life insurance. Life Insurance for Seniors with pre existing conditions such as Diabetes, Dimentia, Hypertension, high blood pressure, a history of Cancer and Alzheimer’s Disease can qualify for either conventional life insurance or Guaranteed Issue type life insurance. We have a comprehensive line of life insurance products from conventional Term products to Final Expense otherwise known as Burial insurance all the way to Guaranteed Acceptance life insurance. If you thought that your only choice was AARP life insurance for Seniors was your only choice, think again, we have you covered.

Many Senior citizens who had life insurance at one time and for some reason lost it or for seniors that never had it before can still purchase an excellent life insurance policy from one of the many trusted companies we do business with. If you have very serious health problems, we can provide you with Guaranteed Issue Life Insurance if need be from excellent companies like Gerber Life. Contact us today and we will answer all your questions concerning life insurance for Seniors insurance with no obligation or cost what so ever.

A Simple Pre-Screen Can Help You Receive the Lowest Rates

Life Insurance Medical Pre-ScreenIf you have any medical conditions, a hazardous occupation, a dangerous sport or looking for senior life insurance, a simple medical pre-screen can save you a lot of time and direct you to the most applicable life insurance company to apply with. This is a very simple process of us conversing with multiple insurance companies before you apply to see who will offer you the lowest premiums.  A free medical Pre-Screen can eliminate any surprises later and make the application process go smooth and simple. A pre-screen is especially important for people in the high risk life insurance classification. If you are interested in life insurance quotes with pre-existing conditions, call us for a premium quote right over the telephone.

We offer this service at no charge or obligation. All the life insurance companies underwrite their applications differently. Your personal information is never given to the insurance companies. We utilize over 40 highly trusted life insurance companies to give you the best choice so you receive the lowest life insurance rates possible.

Compare Term life insurance quotes online from over 40 Trusted Companies

Trusted Life Insurance CompaniesBefore the development of the internet and the modern quoting engines of today, the life insurance companies were never placed in a position to have their rates easily shown on a side by side basis online. This would make it difficult to visualize all the various companies and their rates to see who offered the best term life insurance rates. This has all changed and now there is fierce competition between the carriers to become more and more competitive.

In our tough economy, people are looking for the lowest premiums they can qualify for. Our easy to use consumer quoting tool will display free life insurance quotes comparisons. You may compare the four major types of life insurance such as affordable Term life insurance and the permanent plans Universal life and the Whole Life and Senior life insurance plan designs easily displayed side by side. Here are just a few of our life insurance companies.

Your Life Insurance Is Only as Good as Your Agent or Broker

Life insurance agents and brokersIt goes without saying that who you purchase a product or service from is very important and that holds true with any type of insurance as well. It takes many years of training and experience to become a seasoned veteran agent or broker. Your life insurance portfolio should always be designed by your insurance professional for your specific needs and budget. If it is not designed properly you may have a serious problem down the road such as outliving the policy and having no life insurance when you need it most. I see this happen on a regular basis along with other issues like not having a higher face amount and then having your dependents have a serious financial problem even though you have purchased what you thought was the best life insurance policy at the time. Check out our About Us page to read more about us and what we do to help our clients purchase the highest quality life insurance products.

Purchasing a product such as life insurance is a very important and you want to make sure you have purchased the best plan design for your specific needs with the most affordable life insurance rates.

Our mission is to make sure we help you secure the lowest rates and the proper plan design that would fit your life insurance needs so your family dependents are properly protected if something happens to you. We specialize in alwaysMember of Insurance Literacy Institute for Ethics & Conduct staying on top of the life insurance market and making sure we know and understand the newest plan designs and benefits that our companies offer. Our number one goal is to make sure you walk away with the best life insurance with the most effective plan design that will give you the peace of mind for the rest of your life. If anything happened to you, your dependents should be able to continue on and can go along in life without having any financial issues that could very easily change the course of their lives.

How Does the Use of Prescription Medication Effect Your Rates?


Term life insurance rates and prescription drugsThe use of prescription medications can have a minimal impact on your final life insurance rates or they can have a considerable effect depending on what specifically the medication is by name and the dosage you take. Each medication has a purpose and it is used to control a specific medical condition. Just because an applicant may take 3 or 4 prescription medications does not always put them into a high risk life insurance category. The exact purpose your taking this medication for is going to be the most important factor. The life insurance companies are not totally concerned about the exact drug so much as what it is used for. If you are applying for Term life insurance and you take a medication, it might not have any real effect on your life insurance premiums but it will always depend on why you are taking this medication.

For example if you use Diovan for Hypertension (high blood pressure) and your blood pressure is easily controlled by the drug and your blood pressure readings are fine, the life insurance companies will have no problem with the use of this medication. They are more concerned about the high blood pressure being controlled. Some of the High risk life insurance requests we see most often are life insurance for Diabetics, life insurance for high blood pressure, life insurance for high cholesterol and life insurance for overweight people.

They would much rather have you take prescription drugs to keep medical conditions in check than have a medical condition and not do anything to control it. If you are like everyone else and you are looking for the best life insurance rates, just be totally honest on the application and explain all your concerns with your agent who is always there to help you.

All Life Insurance Rates Today are Regulated by Law

Life Insurance Rates are Regulated by LawThe first and foremost important fact to remember is that all life insurance rates are published by the life insurance companies. The rates are next approved by each state’s Department of Insurance and then allowed to be displayed to the consumers. This means life insurance rates are regulated by law and nobody can sell the same policy for less or more money than another. If you are looking for lowest term life insurance rates, you must use the most applicable carrier for your specific needs.

We shop the market for our clients automatically to find the most applicable carrier that has the lowest rates and that will place our applicants in the very best rate class. This is how to secure the best life insurance rates possible. Life insurance premiums cannot be discounted like a car or television set. Get free life insurance quotes on our consumer quote engine by simply pressing the “Get a Free Quote” button.

High Risk Life Insurance for Applicants with Medical Conditions

High Risk Life InsuranceMany people fall into a High Risk Life Insurance category due to medical conditions, their occupation or sports they are involved in. We are very experienced in High Risk Life Insurance and how to get a person approved with the lowest life insurance rates possible. You can still secure cheap life insurance rates with medical conditions. We offer the best term life insurance for people with medical conditions such as Heart Disease, Cancer, High Blood Pressure, High Cholesterol, Diabetes, Depression and many other conditions. Whether you have diabetes, a past or recent history of heart disease, or are a heavy smoker or seriously overweight, we’ve seen it all and are very successful finding folks with serious medical conditions life insurance.

Some of the sports would be scuba divers, hand gliding, cliff diving, life insurance for drag racers, sky diving, boat racing, motorcycle racing and many others. High Risk life insurance also includes life insurance for smokers and Senior citizens. Just because you are in a high risk classification, you can still purchase cheap life insurance. Just some of the High Risk life insurance requests we see most often are life insurance for Diabetics, life insurance for high blood pressure, life insurance for high cholesterol and life insurance for overweight people. These are very common conditions in the US. Take a moment to run our quote engine and review instant low cost term life insurance quotes online. We can provide you one way or another with life insurance regardless of you current health status.

Free Online Life Insurance Quotes Displayed in all 50 States Service AreaAlabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia

No Medical Exam Term Life Insurance with 24 Hour Approval

No Medical Exam Term Life Insurance QuotesIf  you’re looking for life insurance coverage quickly with No Medical Exam required and a short application that can be approved in less than 24 hours, a Simplified Issue otherwise known as No Medical Exam Term Life Insurance may be just the ticket for you. The many companies we use also offer No Medical Exam Life Insurance for Seniors also. When a person is looking for the absolute lowest rates, fully underwritten policies are the way to go for cheap life insurance with the lowest rates. If you have not had any doctor visits in a while and are afraid of what a physical from your doctor or medical tests will indicate these policies can be the way to go.

If you need life insurance quickly to satisfy a loan company or court order, a No Medical Exam life insurance policy can definitely work out great for you. If you are looking for life insurance for smokers and smoke cigarettes or cigars, you can get very competitive premiums with these policies. Our quoting system will allow you to compare free online life insurance quotes including No Medical Exam Term Life insurance. You can simply call us for life insurance quotes with pre-existing conditions and get answers to your questions within a matter of a few minutes.


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