Many of us are convinced that our health issues make it impossible to qualify for life insurance coverage. We want to protect our family from the onslaught of expenses that will occur if we are no longer there to provide for them, but we know that life insurance is only for the healthy…or is it??
Whether you are fighting the oh-so persistent ‘battle of the bulge’, or being treated for diabetes, high cholesterol, high blood pressure, or more serious disease, don’t give up…life insurance is available! Surprised? I was too!
Here at Huntley Wealth Insurance, we operate a bit differently than the average life insurance agency, as described in our Select Quote review article. First, we are independent, which means we have the distinct advantage of being able to shop for the best carrier to offer coverage for a unique situation. Maybe you have researched life insurance in the past, and found, to your dismay, that many carriers decline to offer you coverage, or perhaps they simply charge too much because your health history resulted in sky-high premiums. We take this kind of challenge personally, and we search out a carrier that will be a bit more lenient with your particular condition.
Secondly, we take our time with each client. Instead of an off-the-cuff quick quote given at the time of your first call, we take the time to thoroughly research exactly which carrier(s) will be best suited for your individual case. This research often includes a trial offer, where we ask each carrier to consider your case, before an application is taken…that way, by the time we take your application, we are much more certain you will be offered a policy, since the carrier we apply with has already agreed, tentatively, to accept your case. This is the foundation of our success with our more complicated cases.
And finally, we don’t just sell you the policy and disappear. Who knows, maybe you are working on improving your health…losing weight, quitting smoking, exercising more? We will come back to you and review your progress, and if you qualify for a better rating in the future, we will be happy to help you maximize on that achievement, and find you a new policy with a lower price. Now that’s a good way to celebrate, I’d say!
So whether you are dealing with a chronic condition like COPD or Fibromyalgia, or are recovering from treatment for cancer or heart disease, don’t be discouraged, because chances are, we can help you obtain the life insurance coverage you need for your family.
The next time you find yourself wishing you had life insurance, quit wishing, and pick up the phone! Let us help you find that one carrier that can make it possible. Call us at 877-443-9467 and we will make a success story together!
{ 1 comment… read it below or add one }
My in-laws ran into the problem of being unable to get life insurance because of diabetes. It is good to know there is actually some hope for them.