The high risk life insurance market place has been an underserved market for many years. Most insurance carriers prefer to insure low risk clients for obvious reasons. There are several life insurance carriers that are very aggresive in the final expense market place. The primary objective in obtaining life insurance is to indemnify your loved one upon death. The severity of your condition matters only to most traditional insurance carriers that do not serve the high risk life insurance market place. If you have a terminal illness, or were recently diagnosed with a medical condition, you may also have news from your current life insurance carrier that you do not qualify to renew your current policy. If you need burial coverage, which almost everyone at a minimum needs, you need to speak with an agent that has your best interest in mind. Often times agents will tell you “your uninurable” or try and sell a higher priced policy then you actually need. If someone told you that your uninsurable you need to get away from that agent and work with someone that is willing to work with you to find you the coverage you need. There really is no such thing as uninsurable. There is always a carrier that is willing to write your case. Finding the right agent and right policy is like finding the proverbial “needle in a hey stack”.
The reality is most agents dont want to be bothered writing a ,000-,000 policy because its not profitable for the agent. There are plenty of companies that are willing to write your case, you just need to find one, and get on the phone with that agent/agency as soon as possible. Life insurance is not a commidity, it is a neccesity for all families regardless of income. The other issue we see clients having is a past criminal history. While its true most carriers will not issue a policy to someone on probabtion. A true guaranteed issue life insurance product will issue a policy regarless of criminal history. The underwriting guidlines for each life insurance carrier is different. Call an experienced, high risk life insurance agent to help navigate the complexities of your case.
Life Carrier Direct is an independent Life Insurance comparison agency offering consumers life insurance quotes directly from the carrier. Life Carrier Direct was founded by managing partners with over 70 years of combined Life Insurance experience. Most people want life insurance to protect the ones they love from any unexpected death so that they will be protected financially to cover such things as loss of household income, funding for education, mortgage satisfaction, and other important financial considerations related to the sanctity of the family. Please visit http://www.lifecarrierdirect.com for more information.
The 2011 DIAM spokesperson is Rosemarie Rossetti. Rosemarie is passionate about disability insurance and the need for agents to reach out to Americans and help them get the coverage they need. You see, Rosemarie’s life was changed in an instant when a tree fell on her while she was biking, paralyzing her from the waist down. It was her disability insurance that helped her through her darkest hours—and years—when she had no paycheck coming in.