Category Archives: Substandard Impaired Risk Life Insurance

If you have health issues you still may be able to find and purchase affordable life insurance!

Life Insurance Carriers for Diabetes

If you or someone you know has Diabetes and are currently shopping the Insurance Marketplace to find the most affordable term life insurance coverage you may find the links below useful.  While having Diabetes does not automatically make you ineligible to purchase life insurance with most carriers, you will want to know which carriers are […]

Life Insurance for Diabetics and Diabetes

Diabetes patients Life policies! The following diabetes life insurance underwriting guidebook could and ought to assist you diabetics better understand how to get the best life insurance underwriting when you apply for a policy. Diabetes is a disorder that occurs because your body is not producing enough insulin. It is mostly irreversible but can be […]

Life Insurance if you are Overweight or have Build problems

Image via Wikipedia How much you weigh or your build is one of the top life insurance underwriting critiera that the underwriters look for right from the start.  Carrying a few extra pounds has shown that it can lead to other health issues, such as high blood pressure, heart disease and diabetes.  Be smart and […]

Can you get Life Insurance if you have had an Angioplasty

Image via Wikipedia Yes you still can find and buy Life Insurance if you have had an Angioplasty procedure.  There are a number of issues you need to take into consideration and some steps to take to help ensure that you get the absolute best life insurance rates.  Angioplasty Life Insurance Percutaneous Transluminal Angioplasty or […]

Substandard Impaired Risk Life Insurance Underwriting Manual

Impaired Risk and Substandard Life Insurance is an industry term that indicates the insured has health, lifestyle or recreation issues that preclude them from obtaining the best rate classes. Life Insurance carriers each have their own rate classes where likely insureds would be classified in and that is how the premiums are calculated. What this […]

Sleep Apnea Life Insurance – Guide to get better rates

Sleep Apnea is a condition where your breathing stops for a short period of time during sleep. In general there are three types of apnea that occur during sleep:obstructive, central, and mixed. This condition can cause some issues and dangers including but not limited to the following: Hypertension Cardiovascular Impairments Dulling of memory and intellect […]