3 tips to get "high risk" life insurance

If life insurance is not a priority before it will become one if your health declines. The combination of the realization of the most important people in your life are financially dependent on you and you are no longer invincible are is a wake up call for many.

Most consumers have health problems admit that getting life insurance when they were young and healthy has always been a thought, but nothing's ever pushed the continue until now.

Nobody likes to think about their premature death, but with a condition invites the thought of "If something happened to me, my family would be okay? "The harsh reality is when these health complications occur, it becomes difficult to find affordable life insurance rates.

If you have health problems or lifestyle and you are having difficulty to get life insurance, here are 3 tips to help you in your search

Tip # 1: .. Working with a life insurance agent or agency that has experience with your risk

the truth is, every life insurance company will look at your risk differently. Some life insurance companies will look at your sole risk, more favorably than others. Just because you have been denied with one company does not mean you can not get affordable coverage with another company.

Ask your current agent if they have access to an insurance specialist -life "high risk". If they do not then just do an Internet search for your risk. For example, you can search for "life insurance with COPD" or "life insurance with congestive heart failure." There are several agents who are experts in your risks and know that life insurance companies will give you the best offer. There are many high risk for qualified life insurance agents there

Tip # 2 :. It's about control and compliance

If you have a chronic health condition (diabetes, asthma, arthritis, etc.), all you have to do is demonstrate control and compliance. Control which means there are no major complications, and that means respect that you follow your doctor's recommendations. This applies to the majority of medical issues.

In many cases, you just need to bring your cholesterol levels, blood pressure, A1C levels, triglycerides, PSA or other laboratory results within normal limits. If you have been denied or very appreciated for your lab results, work on getting those under control and re-apply when they return within normal limits

Tip 3 :. Get "trial offers"

There is a process in the life insurance industry, where we can send your risk for many life insurance companies at one time, without filling a formal application for life insurance. This means that you can know with certainty what type of offers to wait several life insurance companies before you formally apply and without taking a medical examination. Think of it as a service "prequalification"

This is what it means :.
1. Your agent collects your health information (in detail), sums to subscribers and sends it to all life insurance company that has risk.
2. life insurance companies review your health profile and answer "indicative offers" writing. This means that until everything was disclosed, and nothing has changed are the rates you can expect.
3. You choose the best offer and a formal application with this company. Your agent would join the temporary offer to your request.

The biggest misconception for people with health problems looking for life insurance is that they can not qualify for coverage. We hear all the time and in most cases affordable coverage is obtained.

Eligibility for life insurance coverage with a health deficiency takes some expertise and a little more work on your agent, but it can be done. Do not let the health problems that deter you secure this important coverage.

My advice is always to provide coverage while you're young and healthy because health tomorrow is promised to no one. However, sometimes it takes a wake up call to get life insurance off the burner.