A life insurance denial letter hits like a punch to the gut: “We can’t offer coverage at this time.” After weeks of medical exams, endless forms, and hopeful waiting, the truth stings—your diabetes, heart condition, or past cancer diagnosis has branded you “high-risk,” and traditional insurers are slamming the door shut. The frustration grows when […] Read more
High Risk Life Insurance
🎯 Bottom Line Up Front Can you get life insurance with medical conditions? YES, in most cases. While health conditions affect rates and coverage options, the majority of people with medical histories can obtain life insurance. The key is understanding how conditions are evaluated and working with the right approach. Life insurance underwriting evaluates mortality […] Read more
If you’re reading this article, you’ve probably already become aware that some life insurance companies will look at what one does for a living during the application process. And while one’s career usually doesn’t play a significant role in the outcome of a life insurance application, it sometimes does. Which is why… We wanted to […] Read more
Gardening and landscaping sound like such peaceful jobs. But the truth is it’s not all just tending to roses, and this is something that most life insurance companies are well aware of. You see… Being a gardener, a groundskeeper, or a landscaper can oftentimes be quite a dangerous occupation. Especially if you combine this skill […] Read more
Finding out that you’re considered a “high-risk” individual when it comes to life insurance can be overwhelming, especially when you’re trying to secure coverage for your loved ones. However, it’s important to understand that many people find themselves in this situation due to health conditions, risky hobbies, or simply due to aging. The good news […] Read more
🎯 Bottom Line Up Front Can you get life insurance with kidney cancer? YES, but timing and stage matter significantly. Early-stage kidney cancer survivors can typically apply after 1-2 years post-treatment, while advanced stages may require waiting periods of up to 5 years. For kidney cancer survivors considering life insurance, the journey from diagnosis to […] Read more
