It is what we do every day. At Life Exchange Insurance Services, we specialize in high risk life insurance approvals at affordable rates for even the most difficult cases. In order to get the best rates, you should work with an independent agency that has access to the best carriers for your specific health issue.
Why? Because when you apply for life insurance each insurance company is going to look at dozens of risk factors to determine how much they will charge you for that policy. Finding approvals at low premiums is all about knowing not only the best companies but understanding who has the most lenient guidelines for underwriting that risk. Insurance for diabetics, for example, can range from the very best approvals available to a denial of coverage. Scuba divers and Pilots can pay an additional flat-extra risk premium by choosing the wrong carrier. Why pay more for working with the wrong company?
Below, you find many of the risk factors that we specialize in. Don’t allow a health issue to stand between you and the best rates available!