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universal life insurance

High Risk Life Insurance – HIGH BLOOD PRESSURE

If you have been avoiding life insurance because you think that your specific illness will make life insurance prohibitively expensive for you, please, read on. High Risk Life Insurance refers to people who currently have health issues or may have had health problems previously. They may be able to qualify for life insurance. High Risk Life Insurance is also referred to as Impaired Risk Life Insurance. It aims at trying to find life insurance policies at affordable rates for high risk individuals and placed them with high quality life insurance carriers.

What Is High Risk Life Insurance?

Applicants who do not meet the underwriting standards to qualify for one of the four basic underwriting classes, namely, PREFERRED PLUS, PREFERRED, STANDARD PLUS, or STANDARD,  are considered High Risk individuals, from a life insurance perspective. Because of their own health situation, they have a higher probability of dying earlier that other folks of the same age, and this have a negative impance on life insurance premiums.

So What Do You Do?

Do not assume that you automatically fall in this category because you have a condition such as high blood pressure, os similar. You need to let the insurance company decide once they have an opportunity to evaluate your health situation. Agents who specialize in High Risk Life Insurance are experienced and know how to match insurance carriers with the different types of health risks. Frequently, individuals who suffer from high blook pressure, but that it is under control with medication, diet, etc., do qualify for STANDARD, or better, rates.

How Can We Help?

At INSURANCE GLOBE PARTNERS, we work with associates in the life insurance industry, and together we ascertain which cases may be placed and the life insurance companies to file the case with. To accomplish this goal, it essential to have as much information as possible relative to the life insurance applicant.

Life insurance companies review your medical history; the reason for your high blood pressure; a detail of the blood pressure-related medications currently being taking to control your high blood pressure; for how long you have been on blood pressure medications, etc. They also check the steps you are taking to improve your health and to lower your blood pressure.

If you suffer from HIGH BLOOD PRESSURE, we will help you go through a process that will result in finding a life insurance policy that meets your personal and financial requirements. The information we will need from is contained in a questionnaire that you can access by clicking on the link that appears below:

IMPAIRED RISK QUESTIONNAIRE – HYPERTENSION

Act Now!

If ;you still have questions, give us a call at our Toll Free Number (888) 950-8376. Do not delay providing financial protection for your family and loved ones.There has never been a better time to buy life insurance than NOW!

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.

Disability Income Insurance

High Risk Life Insurance Quotes

At InsuranceGlobe.net We Can Help You With High Risk Life Insurance Quotes

One reason you might be considered high risk is if you engage in hazardous occupations or hobbies such as flying airplanes, racing car or boats, scuba diving, mountain climbing, etc. Another reason is if you have a medical condition such as cancer, heart disease, diabetes, etc.

How Do Life Insurance Companies View High Risk Applicants?

Both examples (hazardous occupations and medical conditions) 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 to be given your occupation, hobby, etc.   These additional percentage rates charged by life insurance companies to high risk individuals result from what is called table ratings.

About Table Ratings

Each number in the table counts as an additional 25%.  So, if you are rated table 4 , you would be charged an additional 100% or in essence double that of a Standard Risk.  By the way, a Standard Risk health rating does not result in the least costly policy. The least expensive policy premium rates are for those individuals that qualify for a Preferred Best, also called Preferred Plus, health rating.

How Can We Help?

high risk life insurance quotes

At InsuranceGlobe.net  we specialize in high risk and impaired risk situations. We can help you navigate the intricacies of submitting an application that could result  in a high risk rating.

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 life insurance rates, whether you are looking for TERM LIFE INSURANCE, GUARANTEED UNIVERSAL LIFE INSURANCE or WHOLE LIFE (also called CASH VALUE) LIFE INSURANCE.

Contact Us Now!

If you thought you were uninsurable, but aren’t quite sure and would like to to test the market, InsuranceGlobe.net can help you do just that.   Call us today at Toll Free Number  1-888-950-8376 and obtain your life insurance quotes including TERM LIFE INSURANCE, RETURN OF PREMIUM TERM LIFE INSURANCE and GUARANTEED UNIVERSAL LIFE INSURANCE quotes here.