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Special Risk Life Insurance

Medical advances in treating Diabetes, Heart Disease, Cancer, Depression, Stroke and Obesity have virtually eliminated the high ratings that used to be assessed when one applied for a life insurance policy. In today’s life insurance enviroment, there are specific life insurance companies that specialize in Clinical Underwriting. Individual consideration is given to each applicant. Credits are often given to those individuals who are making lifestyle changes after experiencing a major health problem.

The overall results can cut premiums in half for some individuals!

In today’s life insurance marketplaceā€¦ Special risk cases may now qualify for “Preferred” rates!!

  • Diabetes – Types 1 & 2
  • Heart Disease
  • Stroke
  • Depression
  • Angioplasty
  • Bypass Surgery
  • Cigar and Pipe Smokers
  • Overweight

People are living longer and the life insurance companies have recognized the improvements (particularly in the older ages), which allows them to pass the savings on to the consumer and still remain profitable.