Been declined for life insurance due to a high risk medical impairment?  Don’t give up!  At Huntley Wealth Insurance, we specialize in delivering high risk life insurance approvals at affordable rates for difficult cases.  Some insurance companies are more lenient on certain health issues than others.  Finding approvals at low premiums is about knowing who the best high risk life insurance companies are, and which one is right for each particular case.

We have had success with multiple high risk life insurance cases such as heart attack survivors, cancer survivors, people with diabetes type II, overweight or obese people, and marijuana smokers.  And I mean we’ve insured them with traditional coverage, not that overpriced guaranteed issue life insurance.  We have also helped folks with epilepsy, pacemakers, on medication for high blood pressure or cholesterol, pregnant women, and people on medication for anxiety, depression, or bipolar disorder.

Types of High Risk Life Insurance

Life Insurance with Diabetes
High Cholesterol or Taking Cholesterol Medication
High Blood Pressure or Treated Blood Pressure
Life Insurance with Bipolar Disorder

Then you have your non-medical high risk cases, where we also specialize.  These are your high risk life insurance individuals who may work in a hazardous occupation, or have dangerous hobbies, such as motorized racing or sky diving.  We’ve also helped people with DUI’s or multiple speeding tickets.  Plainly stated, we are the BEST solution for term and whole life insurance for people with medical impairments or taking medication, or any other high risk factors.

3 Steps to Approval on High Risk Life Insurance Cases

1. Fill out the “Pre-App Plus Questionnaire”, our proprietary questionnaire, extensively covering your medical history (Also includes questions for cases that you are high risk due to occupation, hazardous hobby or activity, poor driving history, etc).  You can download this form HERE and fax it to us, or call us at 877-44-EZ-INS (877-443-9467) and complete the Pre-App Questionnaire over the phone.  The more we understand your medical condition, the better armed we are for step 2.
2. Ever sell a house?  The more bidders, the better, right?  Same thing goes for high risk life insurance shopping.  In Step 2 we write a detailed health bio about you and send it to up to 30 life insurance companies.  Their underwriters review the details and get back to us with what’s called a trial offer.  Whichever company has the best offer typically also has the best price, so that’s how we know which company to apply with.
3. Apply to the insurance carrier with the best trial offer and attach the trial offer to the application.  The company is somewhat bound to the trial offer unless they find out new information during underwriting.  Please note that if you can’t qualify for life insurance through traditional underwriting, you will likely qualify for our Express Issue Whole Life plan.

Your other option for quotes on high risk life insurance is to call us at 877-443-9467, where you may obtain an accurate, confidential quote by phone.