High Risk Life Insurance

You may have an ailment which impairs your insurability or you may participate in dangerous activities like sky diving.  You may even have been denied life insurance coverage before.  Nevertheless, our licensed advisors at Wholesale Insurance wait at the ready to help you find affordable life insurance.

High risk life insurance and your rate class

What it means to be “high risk” is that an insurer assigns you to any rate class that is more expensive than Standard Risk.

Insurers base your rate class on the probability that you will survive into old age; and to arrive at that probability, they evaluate everything they can learn about you: your health, your habits, your family history, even your driving record.  If you’re shopping for high-risk life insurance, it may be because you have cancer, because you fly private planes, or simply because the insurer hasn’t done enough research to evaluate you more accurately.

We at Wholesale Insurance go to bat for you.  We can’t change the rates assigned to a particular rate class, but we may be able to land you in a better rate class than you or the life insurance carrier was ready to believe.  We’ve done it before, and we’d love to do it for you.

Finding the right life insurance carrier

Although most insurers in the market will agree on which rate class a particular applicant fits, it is possible that not all will share the opinion.  One of our functions at Wholesale Insurance is to take your case and search the market to find you a dependable carrier who is ready to offer you the best life insurance rates.

Red flags for high risk life insurance

Below are a few of the circumstances that are likely to make an applicant a high risk.  Click the links to learn more about how they related to life insurance and life insurance rates.

Cancer and life insurance
Diabetes and life insurance
Heart disease and life insurance
Dangerous activities and life insurance