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Impared Risk / Pre Existing Conditions

We assess your health in house and are able to choose from over 50 carriers to find you a quote that will solve for your unique health needs.

Here is a list of health conditions we may be able to insure, several with Standard to Preferred rates. Let us do the shopping for you.  If your health concerns are recent and severe you may need to look at our Guaranteed Issue Whole Life plans, or our Final Expense insurance plans.

  • Abnormal cardiac test (or other abnormal testing)
  • Alcohol or drug treatment
  • Aneurysm
  • Arrhythmia (significant)
  • Barrett’s Esophagus
  • Cancer or Tumor (not Basal Cell or Squamous Cell)
  • Colon polyps removed in the past 12 months
  • Cardiomyopathy
  • Cardiac Failure
  • Cerebrovascular Disease
  • Connective Tissue Disorder
  • Coagulation Disorder
  • Congenital Heart Disease
  • Coronary Artery Disease
  • Crohn’s Disease
  • Diabetes
  • Eating Disorder
  • GI Hemorrhage
  • Heart Murmur (significant)
  • Hypertension (3 or more HTN meds taken or under age 30)
  • Kidney Disorder (significant)
  • Liver Disorder
  • Lymph Node Disorder
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Obesity (rated Table D or greater)
  • Pancreatic Disorder
  • Parkinson’s Disease
  • PSA Abnormality
  • Psychiatric Illness (significant)
  • Respiratory Disorder (significant) – Not mild asthma
  • Rheumatoid Disorders including Rheumatoid Arthritis and Lupus
  • Seizure Disorder
  • Sleep Apnea
  • Stroke or TIA
  • Suicide Attempt
  • SyncopeUlcerative Colitis (and similar disorders)
  • Ulcerative Colitis (and similar disorders)

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