High Risk

High Risk Life Insurance

Why having Diabetes is considered a High Risk by Life Insurance Companies?

Why having Diabetes is considered a high risk by life insurance companies? Life Insurance companies consider diabetes a high risk  because it is the leading cause of kidney disease, blindness, and amputations. Nearly 25% of people who have it don’t even know it. Testing is crucial so the public can be educated about their health. In the United States.. More

Life Insurance and Sleep Apnea

Sleep apnea is a chronic disorder where breathing stops and starts during sleep. It leads to snoring, fatigue and interruptions of oxygen flowing through the body. The disruptions occur during night time and can cause daytime drowsiness. One in fifteen people in the United States experience sleep apnea. When dealing with health conditions, many individuals.. More

Life Insurance and CPAP Machines

CPAP machines are commonly used if  you have been diagnosed with obstructive sleep apnea, central sleep apnea, or the mixed type.  This may be affecting your life insurance policy.  A diagnosis of sleep apnea can affect your life insurance rates for different reasons and to varying degrees, or even the ability to have a life.. More

Sleep Apnea and Treatment Options

If you have been diagnosed with sleep apnea, you may wonder how this might affect your life insurance options.  Sleep apnea can cause problems with your life insurance policy, such as higher rates or a denial.  There is good news.  A diagnosis of sleep apnea doesn’t have to keep affecting your policy.  Treatment and regular.. More

Life Insurance Build Charts – Use the Right Company

Life insurance companies use build charts, or height and weight tables, to help determine someone’s class when anyone applies for a life insurance policy.  It sounds simple enough, but it becomes complicated quickly.  The complicated part starts with the life insurance companies not using the same build charts, and not all types of life insurance.. More

No Exam Life Insurance for Overweight People

  It’s no secret that insurance companies use height and weight ratios to determine how much premium they’re going to charge or to determine if they’re even going to offer life insurance coverage at all. For insurance purposes, When it comes to being overweight , the insurance companies consider many as high risk for a.. More

Life Insurance after Significant Weight Loss

Your weight can affect your life insurance, even if you have lost weight by diet and exercise or through a weight reduction surgery.  Being overweight is not easy, and it isn’t easy to lose weight.  Now you’ve lost the weight, but you may not have thought about how it can affect your life insurance.  It’s.. More

Life Insurance for Cancer Survivors

A diagnosis of cancer is devastating to most, but today many survive cancer and go on to return to their everyday life activities. Surviving cancer generally makes you think about your own mortality, and you will want to plan ahead to feel secure knowing that your family and loved ones are taken care of if.. More

Best Life Insurance Options with High Blood Pressure

High blood pressure is a common condition that affects millions of people around the world. It is also one of the risk factors that is often considered by many insurance underwriters when you are applying for a life insurance policy. However, that does not mean that you cannot qualify for a life insurance, it also.. More