Impaired Risk

Life Insurance with Type 1 Diabetes

Obtaining life insurance with Type 1 diabetes is a daunting task but not impossible to accomplish. Let me open with some brutal facts: First, you must be over the age of 18 years before you apply for life coverage. Second, you will not be eligible for …

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Life Insurance with Barrett’s Esophagus

Getting life insurance while having pre-existing conditions can be a frustrating task to accomplish, especially if you apply by yourself. While some companies are more lenient than others in their underwriting guidelines, the reality is that some condi …

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Life Insurance with Cardiomyopathy

Life insurance rates are in direct proportion to the risk you pose to the carrier. The higher the risk, that more you’ll pay for it and vice versa. The lower the risk, the lower the price. Cardiomyopathy affects one in every 500 people in the US and ca …

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Life Insurance Risk Class Explained

Were you on the phone with an enthusiastic broker who quoted you preferred plus rating for a life insurance policy only to find out six weeks down the road that the underwriter offered you a table 6 rating (about 150% higher)? Did you think you had fou …

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