Companies You Can Trust

Applying for Life Insurance with High Risk Medical Conditions

If you are having difficulties purchasing life insurance due to medical conditions or you are simply finding the life insurance premiums you have been quoted are higher than you expected and beyond your budget, give us a call 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, 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 in their 80s and needless to say find the life insurance premiums higher than what the younger folks would pay. With the arsenal of companies we represent we have a excellent track record of finding affordable life insurance for our clients without having to turn them down or have them walk away with no life insurance. 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, definitely does not mean you cannot purchase life insurance. We prove this every day.

Instantly Compare the Best Term Life Insurance Quotes Online

Don’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 low cost term life insurance quotes. We also provide the best selection of affordable term life Insurance quotes 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 term life insurance. 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 consumer quote engine and compare the best Term life insurance quotes online in less that a minute.

Our modern quote engine will display low cost Term Life Insurance quotes as well as permanent Universal Life plan designs as well from over 40 trusted life insurance companies within minutes. 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 high risk life insurance.

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 the lowest Term life insurance rates from the comfort of your own home with our consumer quote engine. While you are here, get to know Jack our agency founder.

Save Time and Money When You Purchase Your Life Insurance Online

Affordable Term 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 lowest 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 Term life insurance quotes from over 40 trusted life insurance companies 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 competition between the carriers thanks to the modern life insurance quoting tools that will quickly and easily show you who has the best Term life insurance quotes.

We Now Utilize Simple Telephone Applications to Save You Time

For 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 simply explain all your medical conditions with telephone interviewer instead of having to answer all the questions on separate sheets of paper which can be very time consuming. Applying for low cost Term life insurance has never been easier.

Affordable Life Insurance for Seniors and Folks Over 50, 60, & 70

If you are  currently in your 50s, 60s 70s or even in your 80s, you can still purchase low cost life insurance. The Senior life insurance industry understands that nobody wants to become a financial burden for their children. 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 serious health problems, we can provide you with Guaranteed Issue Life Insurance for Elderly folks. The best part, is our companies offer Senior life insurance with No Medical Exam. Contact us today and we will answer all your questions concerning Senior Life Insurance with no obligation what so ever.

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

If 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.

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 and receive the lowest life insurance rates available anywhere.

Compare the Lowest Rates From Over 40 Trusted Carriers

Before 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 low cost life insurance and Term plans offer the lowest premiums. Our easy to use consumer quoting tool will display free online life insurance quotes. 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

It goes without saying that who you purchase a product or service from is very important and that holds true with life insurance as well. It takes many years of training and experience to become a seasoned veteran agent or broker. Your life insurance portfolio is normally 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 Term life insurance at the time.

Purchasing life insurance is a very important event and you want to make sure you have purchased the best Term life insurance plan design along with the best life insurance rates you could ever qualify for.

Our mission is to make sure we secure the lowest life insurance rates and the proper plan design that would fit our clients life insurance requirements. We specialize in always 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 Term life insurance quotes and the most effective plan design that will give you the peace of mind for the rest of your life. Knowing that if anything happened to you, your dependents can go along in life without having any financial issues that could very easily change the course of their life.

How Does the Use of Prescription Medication Effect Your Rates?

The use of prescription medications can have very little impact on your final 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 the lowest Term life insurance rates possible and you take a medication, it might not have any real effect on your life insurance premiums.

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

The 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 with no obligation.

High Risk Life Insurance for folks with Medical Conditions

Many 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 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 with life insurance regardless of you current health status.

Free Online Life Insurance Quotes Displayed in all 50 States

Alabama, 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                                   Visit our life insurance service area to read an article specific to your state.

No Medical Exam Term Life Insurance with 24 Hour Approval

If  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.