Both examples would make you a higher risk for a life insurance company to insure. When a life insurance company considers you a higher risk, it means they will charge you an additional percentage rate depending on how high a risk they consider you.   These are called table ratings.  Each table counts as an additional 25%.  So, if you are rated 4 tables, you would be charged an additional 100% or in essence double that of a standard risk.  InsuranceGlobe.net  specializes in high risk and impaired risk situations.

Whether you have prostate cancer, sleep apnea, diabetes, an irregular heartbeat, skin cancer,  a coronary artery stent, or some other serious illness, it doesn’t always mean you will get declined or be charged a much higher rate for life insurance.  It may be that you tried 3 years ago with every company possible, but underwriting opinions can change over time, so you should try again periodically.

Our expertise in the area of high risk will help you shop the universe of possible insurers to find the best high risk life insurance company and high risk term life insurance rates.

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