Looking into Life insurance is not exactly what most people want to be doing with their spare time. I’m with you on that. The reality is, we all need to have a plan in place to deal with financial planning matters… while we able handle our affairs. Affordable life insurance brings peace of mind while transferring financial risk to a life insurance company. Whether we are looking out for our families, business interests or leaving a legacy behind, having the security of the right life insurance policy ensures the monies will be there.
At Special Risk Life, we pride ourselves in working with people in high risk or “special risk” situations which make it more difficult for them to obtain affordable life insurance. Do we work with individuals who are healthy that don’t jump out of planes as a past time? Yes, of course. From an infant thru the “golden years, ” we can help you achieve your goals.
The Real World Challenge
Literally, thousands of life insurance consumers, men and/or women who have been deemed “high risk,” face real challenges in obtaining affordable life insurance. Maybe you have one or more medical conditions? Maybe you have multiple “speeding” violations? Do you work in a high risk occupation or just have interests in riskier hobbies like scuba or sky diving? If you are a senior citizen, you probably recognize you are not as healthy as you once were. Are you taking several prescription medications for recent heart problems, have CHF or COPD? How about Diabetes with complications?
What these life insurance risks ALL have in common is that they are frequently turned down (declined) or “rated up” drastically in the cost for insurance coverage. If you’re one of those consumers who may have a bad taste in your mouth or have considered giving up on having affordable life insurance coverage, we can help you solve the problem in most cases.
Here is what the right independent insurance professional can do for you.
There are actually numerous insurance companies that routinely offer affordable life insurance coverage to meet our clients needs. As a specialist team working with these carriers, we are able to “shop” your specific needs to these particular carriers to find you the most competitive rates available on a policy type that meets you goals. Yes, even if you have had trouble due to health problems or other high risk situations, we have the most affordable solutions.
It is important to know that all of the companies we choose to work with have top notch financial ratings with AM Best assuring you that your coverage is here to stay for as long as you need it.
If you think that a life insurance policy is too expensive because of your health or lifestyle, you may be surprised once it is properly placed. Most people have the misconception that because they have a condition such as diabetes that they can’t qualify for a life insurance policy the can afford. In reality, it is simply not as big a problem as some people might believe.
We regularly secure affordable offers of coverage for our clients that have Type 1 and Type 2 diabetes, High Blood Pressure…even early stage Prostate Cancer, COPD, Heart Disease, Stroke, Heart Attack Congestive Heart Failure, Lung Disease, Bipolar Disorder and More. We can also get you affordable coverage if you are a Pilot or a Scuba Diver and at rates much lower than most have expected.
Whether your need is temporary (Term Life insurance) or a permanent form of coverage such as Universal or Whole Life Insurance), we have the options.
We do not share the bias that has entered the life insurance market regarding any of these products. They fill very specific needs whether temporary or permanent in nature. Certain products are for different people and stages of life, period.
Costs for the actual coverage can vary wildly. Your age at application combined with health and lifestyle and death benefit will determine your price.
Only you can decide what is best for you with the advice we can provide. Tune out all the noise. It complicates the decision. There is a lot of misinformation and radical opinions forcefully expressed by others marketing their personalities, products and services.
Be cautious who you choose to place your business with. Many agents/agencies just do not have this kind experience or worse, are captive with one company. “ABC Life Insurance Company” (fictitious life insurer) is probably not a sound solution either. Watch the big call center offices. Those offices generally work on sales quotas and their representatives are high pressured to make lots of sales to earn their salary.
Make the choice to work with an experienced, professional agency like Special Risk Life. The knowledge and experience we’ve gain in working with many clients thru tough situations makes us a qualified advisor for your needs.
The key to finding affordable life insurance for you needs is to zero in on the company or companies that will look most favorably at YOUR personal risk profile. Our job is to find the ideal one for you.
Have You Considered That Approval May Be Easier Than You Think?
We often receive calls from consumers who got declined for life insurance. Sometimes the decline reason is a health history issue. Maybe the history that a few bumps in it. Too often live insurance applications are made with the wrong insurance company and their agent. The just didn’t really know their craft or were mainly in the home and auto insurance business.
If you have a medical condition, a hazardous job or hobby and were declined, you probably applied to the wrong life insurance company. Working with dozens of life insurance companies for many years, I can say that some carriers are just more liberal with certain risks than others.
That is why it is important to make sure you are working with an experienced, high risk agent with access and knowledge of all the best carriers for you. Certain carriers have “niches” where they excel. Keep that in mind if affordable life insurance is what you are looking for.
Our Life Insurance Expertise
At Special Risk Life, we tackle the big cases, the small cases and everything in between. Spending the extra time to help you get the best value and protection for your dollar.
We have the answers to your life insurance questions.
Whether you have been classified as a high risk life insurance candidate or not, we take the time to put you in the best position possible. We provide you with the knowledge and the products ideal for your specific situation and goals. You will understand what the insurance company is going to ask you and how it’s going to impact your coverage and premiums. With us, you have access to the most competitive rates from the top life insurance companies in the business. Our services are 100% free to you. If you decide to purchase coverage thru our office, the insurance company will compensate us. There is never any commitment on your part.
Whether your need is term life insurance or requires permanent life insurance, we are committed to making this process as painless as possible.
Be rest assured that you will not be high pressured here. Information you give us will NOT leave our team unless you make a formal application for life insurance. We take your privacy very seriously.
Let us know if you have any questions. We’re here to help. 269-230-3464
