Substandard Impaired Risk Life Insurance
Life Insurance if you are Overweight or have Build problems
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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 if [...]
Can you get Life Insurance if you have had an Angioplasty
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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 PCTA.
This procedure [...]
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
Depression
Obesity or Build
When sleep [...]
Acronyms used in Life Insurance Underwriting part I
If you have ever applied for life insurance or for that matter health insurance you might have run across some words and acronyms that made no sense to you at all. I decided to put this article together to try and list some of the most common acronyms used in life insurance underwriting. The goal [...]
The Truth about Substandard Impaired Risk Life Insurance Underwriting
Substandard Term Life Insurance Policies - How to get the best rates
Substandard Impaired Risk Life Insurance is an industry term used to describe insureds that do not qualify for standard or better rate classes. Life Insurance carriers each have their own rate classes where potential insureds would be classified in and that is how the [...]
Diabetes Life Insurance Underwriting Guide
This diabetes life insurance underwriting guide can and should help you diabetics better understand how to get the best life insurance underwriting when you apply for a policy.
Diabetes is a metabolic disorder that is caused by not enough production of insulin in the body. It is mostly irreversible but can be controlled by diet, [...]
Cancer Life Insurance Quotes and Rates!
If you are a cancer survivor and have had a difficult time trying to find and obtain term life or a permanent type of policy you are in luck. I will be devoting a whole section of the lifeinsurance-pros.com/blog to cancer life insurance and other impaired risk types of issues.
Be patient with me as I [...]
Substandard Term Life Insurance Rates!
What is substandard life insurance anyway? Substandard or Impaired Risk Life Insurance is what the Wholesale Brokerage industry calls it when someone has a health, lifestyle or avocation issue that precluded them from getting the best rates.
We suggest that you shop your case or file to a really good Life Insurance Broker or Agent that [...]
Substandard Life Insurance rates can still be affordable!
Even if you have health issues like Diabetes, Heart issues and Cancer you still can find affordable Life Insurance. Rates have come down over the last few years and the underwriting these days is state of the art. First step is to simply speak with a life insurance broker and possibly shop your case around. [...]