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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!
877-734-3884

Life Insurance for the Hard-to-Insure

If you've had a heart attack or stroke, a serious health condition like COPD, or if you're seriously overweight, it can be very difficult to get life insurance. However, at least some insurance carriers are changing their thinking because of improvements in medical practice that are leading to improved mortality and are modifying their underwriting (i.e. policy review and approval practices). Whereas in the past carriers considered everyone with a particular condition the same way (some call this the "bucket approach"), at least some carriers and underwriters now look at each applicant on a case-by-case basis. Early detection and control are becoming recognized as important factors. Examples of conditions where more liberal underwriting is being applied in at least some cases are:

  • Breast cancer;
  • HIV Positives;
  • Weight Loss Surgery;
  • Prostrate Cancer and High PSA Levels;
  • Multiple Basal Cell Carcinomas;
  • Bipolar Disorder;
  • Sleep Apnea; and
  • Skin Cancer

The key to getting approval is to find an agent/agency like us that is knowledgeable, has access to many different carriers and underwriters, shops the coverage, and works with the client to obtain as much information as possible. Carriers are often not consistent with these kinds of cases; they may approve one case and then disapprove another case that appears to be almost identical.

We succeed because we shop every case--even the simplest--with a multitude of carriers. We have proprietary coverage tables where we know how certain carriers look at certain conditions. We also offer simplified issue final expense policies with companies that have no weight tables and that approve certain conditions that other carriers will not cover.

You may have been declined or rated-up for life insurance because you dealt with an agent who did not shop the case, dealt with only one carrier, or was not familiar with the market. We've been able to get insurance for individuals who were rejected for coverage elsewhere and have obtained lower rates for those who were insured at higher premiums by other carriers.

We cannot be successful on every case because (1) medical records can be different from the medical facts we are given when shopping the case or (2) some conditions like stage 3 and 4 cancers are simply not insurable. However, our agents are familiar with the market and the "friendly" carriers and underwriters and we can often be successful where other agents or agencies have failed. We also offer what is called "guarantee issue" insurance where other life insurance coverage options are not an alternative.

We look at each situation and advise clients whether it is better to apply with companies that require medical exams or with companies that have simplified medical underwriting and do not ask for medical records. We often suggest that clients get what insurance they can now so they have at least some coverage to protect their families and look to obtain additional insurance if or when their condition improves.

Please call us at 877-734-3884 to discuss your situation.

2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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877-734-3884