Think You Don’t Qualify For Life Insurance? Think Again!
Many individuals with pre-existing health conditions simply don’t apply for life insurance because they think that they won’t qualify. This thought couldn’t be further from the truth. Many individuals with pre-existing health conditions can easily qualify for term and permanent life insurance products. Knowing which carrier to apply for coverage with is the trick.
Every life insurance carrier has its own set of underwriting guidelines to which they adhere to, and they can vary greatly from carrier to carrier. What would be a flat out denial of coverage with company “A” can result in an offer for coverage with company “B”. For example, most people think that an individual that is HIV+ cannot get life insurance at all. Most people would be surprised to hear that there are carriers that will issue both term and permanent coverage for HIV+ individuals. This is just one example of the many misconceptions about life insurance and pre-existing conditions.
The key to finding the best coverage if you have pre-existing conditions is to work with an experienced agency that can recommend the best products for your particular situation. Even if you are in good health you need to work with an agency that knows which carriers will have the most favorable rates for you depending on age, weight, and gender, among other variables.
InsuraQuote represents over 25 of the nation’s top rated life insurance carriers. Every carrier that we represent is “A” rated or better by AM Best. We have the tools, knowledge, and resources to make getting the coverage that you need a pleasant experience and streamlined process. We do all of the work for you. We shop to find the best rates for you and many of the carriers we represent have approved applications by phone (varies by state), saving you both time and money. Contact us today so that we can discuss you coverage options and get you on your way to protecting yourself and your family. Don’t hesitate, call 1-800-692-8635 Today!