FREE QUOTE

Coverage for High Risk Individuals

Do you have a chronic illness? Are you obese, have a risky job, or a history of heavy drinking or smoking? Let America Life Quotes find you an experienced agent who specializes in quality life coverage for high-risk individuals. If you do have a chronic illness or live an unhealthy lifestyle, you are looked upon as “risky” to insurance companies. You will have a higher rate but most importantly, you will have a policy to help cover your expenses and protect your loved ones.
Those who are more likely to have higher premiums have the following health problems:

• Chronic Illness
• Diabetes
• Smokers Cigar & Cigarette
• Obesity
• Alcohol or Drug Abuse
• Severe Mental Illness

If you fall under any of these categories, and fear you will not be able to receive life insurance, have no fear because America Life Quotes will have many reputable insurance companies competing to give you the best possible premium!

Unhealthy lifestyle choices such as smoking, drinking, and drug dependence will raise your rate because they are all activities that can potentially damage your body. Medication taken for a severe mental illness will also be viewed as a risk factor and can raise your policy rate. They fear that a mental illness such as depression is a risk for suicide. Medication taken for only a few months because of an overwhelming experience will not be viewed as a risk factor.  The best way to insure you receive the best possible rate is to quit smoking, drinking, and drug dependence right now so you can take over your health and your premium payments too!

If you suffer from obesity, you are considered a risk factor because you are increasing your chances of having heart disease and diabetes. Your blood pressure and cholesterol levels are also in danger of increasing. If you chose to lose weight to improve your health you will have the power to reduce your rate if you show proof to your agent.

Hobbies that can harm your body can also be lifestyle choices that insurance companies view as “risky.” If you are a thrill seeker who loves base-jumping and hand gliding activities on a frequent basis, your policy rate can rise, but you will be covered. If you have a profession as a racecar driver, pilot, or window washer and show a record of safe practices, you can receive a lower policy rate.

Even if you are not ready to make changes to your health right now you can still receive life insurance benefits. If you decide to kick some unhealthy habits in the future, your agent will work with you to lower your rate if you submit proof of your efforts to become healthier. Let America Life Quotes find an agent who will lower your rates as you work to improve your health!