It depends on what your individual circumstances are, but almost always the answer is yes for "Guaranteed Issue" type policies. However depending your specific health issues, with "impaired risk” you may possibly even qualify for traditional life insurance, but at a higher premium than a healthy person of the same age and gender would pay.
Broadly speaking, people with higher mortality risk due to health issues, are labeled "Impaired Risk." Impaired risk life insurance is defined differently and approached differently by each life insurance company. Since I am an independent agent, my team has the ability to impartially shop pricing with the various insurance companies allowing me to deliver the best rates with top insurance carriers for my client’s individual circumstances. With that said, we can't always get everybody approved (such as cases with active cancer, suicide attempts, etc.) with traditional life insurance and for those cases we offer other types of alternative life insurance policies that are Guaranteed Issue.
So if you have previously been charged high rates or declined altogether for life insurance? You have come to the right place and may be pleasantly surprised!
Contact me via email by clicking here or call me at 941-404-5334 to assist you!
Note: Life Insurance information can be confusing to many people. As an "independent licensed agent" I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose a life insurance policy, from many choices of different insurance companies, that you feel fits your needs. Plus if you choose to work with me you will have personalized service by a local agent that can shop premium quotes for you. If you would like my assistance to discuss and/or start the process of getting you insured please call me at 941-404-5334.
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