High Risk Life Insurance – SLEEP APNEA

If you suffer of SLEEP APNEA and are looking for life insurance, please, read on. High Risk Life Insurance refers to people who currently have health issues or may have had health problems in the past and who now need life insurance. High Risk Life Insurance, or Impaired Risk Life Insurance, is a specialized part of the life insurance industry that aims at trying to place high risk individuals at affordable rates with top rated life insurance carriers.

 High risk individuals, from the life insurance company perspective are those applicants who do not meet the underwriting standards to qualify for the best underwriting class. These individuals also then to have a higher probability of dying earlier that other folks of the same age. Agents handling High Risk Life Insurance cases must be experienced and know which insurance carriers feel comfortable insuring different types of health risks.

At INSURANCE GLOBE PARTNERS, working with associates in the life insurance industry, we determine those cases than can be placed and the life insurance companies more likely to take the case. To achieve this goal, it is essential to have as much information up front as possible relative to the life insurance applicant.

This blog post focuses on SLEEP APNEA, a disorder where breathing stops and starts during sleep. Folks who suffer of SLEPP APNEA typically snore and experience fatigue and interruptions to oxygen flow. With the information that appears below we can start working on a case related to SLEEP APNEA:

  •  Male/Female
  • Date of Birth; Height; Weight
  • Tobacco Use
  • Amount of Coverage Desired
  • Type of Coverage (Term-Universal Life-Whole Life)
  • Family Health History
  • Date and Type of Diagnosis
  • Describe current treatment for SLEEP APNEA
  • Was surgery performed to correct the problem?
  • Have there been any side-effects and related details
  • What medications are being taken?
  • Description of other health problems

Once we obtain your health-related information, we start working on your behalf trying looking for the life insurance policy consistent with your needs.

Call us at our Toll Free Number (888) 950-8376; or go to Contact Us.

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Type 2 Diabetes And Life Insurance

What is Type 2 Diabetes?

Type 2 diabetes is a typically referred to as adult onset diabetes.  When you have Type 2 Diabetes, enough insulin is not produced by your body.  Most type 2 diabetics need to take some type of oral medication to treat their diabetes.

Life Insurance Underwriting and Type 2 Diabetes

InsuranceGlobe.net understands what information life insurance underwriters are looking for when it comes to Type 2 Diabetes and we know which life insurance companies have a tendency to make a better offer on a Type 2 Diabetic.  By the same token, we know which companies to avoid if you have Type 2 Diabetes.

Some of the things that life insurance underwriters will want to review if you have Type 2 Diabetes will be your diabetes medications, your current diabetes info like your HbA1C, diabetes history and overall health.  In addition, they will look for any history of Proteinuria as part of underwriting.

We will take to get all of the pertinent information about your Type 2 Diabetes history, any medications you are taking and in addition we will pay attention to any positive factors that might help you get a better rate on your life insurance policy.

We will also ask you additional life insurance underwriting questions that we know life insurance companies will be looking for in order to get you the best chance at getting the best and lowest rate on your life insurance policy.  We know that life insurance underwriters will be looking at your overall health history not just your Type 2 Diabetes history.

Rest assured, if your Type 2 Diabetes is controlled, we have life insurance companies that will offer you competitive rates on your life insurance.

Is Your Type 2 Diabetes Well Controlled?

type 2 diabetes and life insurance

Life insurance underwriters will pay particular attention to how well controlled your diabetes is.  The most important indicator they will look at is your HbA1c level.  Your HbA1c measures your control over a period of time.

Best Scenario – If your HbA1c is less than 7, you have no complications from diabetes, well controlled cholesterol and blood pressure, good height and weight, exercise regularly, eat healthy and follow your doctor’s orders including taking all medications as prescribed.

Average Scenario – HbA1c between 7 and 9, you have neuropathy or retinopathy, slightly overweight, varying history of diabetes control.

Worst Case Scenario – HbA1c is 9 or greater and in addition you suffer from one of the following – stroke, kidney problems, vascular disease, heart attack or severe neuropathy.  If you smoke or are overweight in combination with type 2 diabetes, this will severely hurt your chances of getting a good rate on your life insurance.

For a life insurance quote, please don’t hesitate to call us at 1-888-950-TERM (8376). Or, you may go to Contact Us. 

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Life Insurance And High Cholesterol

Life Insurance And High Cholesterol

I recently got a call from a 47 year old male looking for Term Life Insurance.  He is a banker making $80,000/year and he has no life insurance.  He has a wife and a 12 year old son.  He wanted a quote for $1 million of 30 year term.  One of his high school classmates recently died of a heart attack and that got him thinking.  Then, he went to have a physical and found out that his blood cholesterol level was 300 Read more

life insurance for recovering alcoholics

Life Insurance For Recovering Alcoholics

Life Insurance For Recovering Alcoholics

Alcohol consumption is widespread among Americans.  And for most, drinking alcoholic beverages poses almost no threat to well being or life expectancy.  For those who abuse alcohol, it can have a significant effect on longevity.  If you have a history of excessive alcohol consumption, you most likely have to pay an increased premium on your life insurance policy or could possibly be declined depending on the severity of alcohol abuse.  When shopping life insurance quotes for recovering alcoholics it is important that the history of alcohol abuse be factored into the life insurance quotes.  Ultimately, the life insurance underwriter is going to review medical records (paying close attention to records in relation to treatment for substance abuse and psychiatric illness), lab results, social profile, motor vehicle reports (and DUI or DWI), and physical findings to determine the risk in connection with recovering alcoholics.

Some Complications Of Alcohol Excess That May Impact Life Insurance Quotes Are:

  • Cardiac:  Hypertension, cardiomyopathy, atrial fibrillation
  • Nervous system:  Brain damage, tremors, psychosis, blackouts, delirium tremens (DTs), seizures, peripheral neuropathy, balance and gait impairments
  • Bone marrow:  Abnormal blood counts including anemia
  • Gastrointestinal:  Fatty liver, hepatitis, pancreatitis, cirrhosis, varices, diarrhea, cancer, gastrointestinal bleeding (sometimes massive) due to gastritis
  • Psychiatric and social:  Suicide, violent behavior, depression, anxiety, marital/occupational/familial problems, abuse of other drugs as well as alcohol
  • Miscellaneous:  Aspiration pneumonia, accidents and trauma

Risks Associated With Alcoholism

Alcoholism is a primary, chronic disease with genetic, psychosocial, and environmental factors influencing its development and manifestations.  The disease can be progressive and fatal.  It is characterized by impaired control over drinking, preoccupation with the drug alcohol, use of alcohol despite adverse consequences, and distortions in thinking, most notably denial.  Each of these symptoms may be continuous or periodic.

  • Binge drinking is highly risky for accidental mortality.  It is defined as heavy drinking to the point of intoxication on a periodic basis.
  • Risky drinking (per the NIAA – National Institute on Alcohol Abuse and Alcoholism) is:

For men, > 14 drinks per week or > 4 per occasion

For women, > 7 drinks per week or > 3 per occasion

Note: One drink = 12 g of pure alcohol = 12 oz of beer = 5 oz of wine = 1.5 oz (a jigger) of hard liquor.

Other Considerations

In addition to the risks that are associated with alcoholism, the underwriter also will look at favorable historical details like: participation in Alcoholics Anonymous, voluntary initiation of treatment, single period of treatment or hospitalization, maintenance of a stable family life, steady employment, financial solvency, and overall good health without reports of violence or arrests.  If the individual is able to successfully stop drinking alcohol without relapse, after seven to ten years, the mortality rate approaches that of the general population.

Can We Help?

life insurance for recovering alcoholics

Call InsuranceGlobe.net at Toll Free 1-888-950-8376 and we will work with you trying to find the life insurance policy that fits your personal and financial objectives.