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The Insider’s Guide to Getting Life Insurance for the Uninsurable

The Insider's Guide to Getting Life Insurance for the Uninsurable

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Most Likely You’re Reading This Article Today Because You’ve Been Told By A Life Insurance Company Or By Somebody Who’s Not A Life Insurance Agent, That You Are What Is Called Uninsurable

Perhaps you’ve had some health issues or circumstances in your life that have made it impossible so far to get a life insurance plan. If this describes your circumstances, then I’m glad you’re here reading this article today because my ultimate goal is to show you alternative sources for life insurance coverage.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!

The Topics We’ll Discuss Are As Follows:

You’ve been declined before or have been told you’re uninsurable

If you have been put in a position where you’re told that you’ve been declined or uninsurable first, are you really uninsurable? Many people who believe they’re uninsurable believed that this is the case based off of what someone who is not a life insurance professional has told them, a personal belief based on their health factors, or because they’ve actually been declined.

However, under all three of these circumstances, there is the potential that this person could in fact be insured. First if somebody who is not an agent says you’re not insurable, that doesn’t mean you have to believe them. Just because someone says it doesn’t mean it’s true. Right? If somebody says that you can’t be cured of your cancer and they’re not a doctor, would you believe them?

We trust professionals that have experience for a reason. They give us ideas and recommendations on which course to take when it comes to important choices in life. Life insurance is no different. So please don’t believe somebody who is not an insurance professional if they say you will never get insurance. That’s just their opinion based on limited information.

The top 5 reasons to purchase a Life Insurance Policy

If you yourself believe you are uninsurable, same deal. I’ve been a life insurance agent since 2011 and a lot of people I have talked to personally thought they were completely uninsurable. They thought their ailment was some sort of huge roadblock that prevented them from getting life insurance coverage in place.

So they procrastinated for years until I happened to show up at their doorstep and surprise them by saying they were actually insurable and it was a nice surprise. So don’t count yourself out too soon. It may be very likely and even easy to find coverage you can qualify for. It certainly doesn’t hurt to try.

Take the opportunity to see what your opportunities might be and make sure you exhaust those options before giving up. It’s true, some people have only limited access to different kinds of companies. Others don’t. But it’s always worth looking into.

We hear at Buy Life Insurance for Burial offer competitively priced options that allow you to cover financial concerns like burial and cremation expenses, income replacement, and retirement funding. 

If you are looking to protect the people most important to you in your life, give us a call today to see how we can help. 

We can provide a free quote in 10 minutes or less. Simply call 888 626-0439. Alternatively you can also send us a message and we will contact you soon with a quote.

Case Study Examples

Promotion at Work and Previously Declined 

The reason this particular client reached out to me was because she had just received a significant promotion at work. She was also going to be getting a pay increase, which she recognized as a life altering event that she wanted to protect long into the future with income replacement life insurance.

The only thing that my client was worried about was that she had recently been declined with a local life insurance company that also serviced her home and auto insurance.

She was in good health and didn’t think the company was right to decline her, but still, it left her with doubt as to her eligibility. Because this client came to Buy Life Insurance for Burial, we are able to shop the most competitively priced companies available and get her quality coverage at a reasonable price. She accepted the offer and was able to get first day coverage in place to protect her family and income should anything happen to her.

At Buy Life Insurance for Burial we promise to find the best coverage and price, regardless of your situation. While we cant guarantee coverage for every applicant, we do our best to find coverage for every individual who gets in touch. 

Cancer Survivor Looking to Cover Cremation Costs 

A gentleman came to me looking to get just enough final expense insurance to cover his cremation. After doing some research he learned that cremations in his area of the country cost between $3,000-$5,000 depending on the service and urn.  

The problem my client had was that he had suffered from prostate cancer several years back. Though he beat his cancer fight, he was worried it would have a lasting affect on his life insurance application.  

The good news is that despite having cancer, this gentleman qualified for quality coverage on day one.  While I can’t promise approved coverage for every application, I can promise Buy Life Insurance for Burial will do its best to help find you affordable coverage at a fair price.  

Top 5 reasons why people buy life insurance from a broker

1.Better rates
Those who seek out life insurance from brokers are often looking for better premium rates. Because brokers represent a number of providers, they can shop for the best price for their clients. 

2.More coverage
Brokers are not only able to get the best price, but also the most coverage per dollar, making your money go farther.Working with a number of companies allows a broker like us to maximize your overall coverage.

3.Personalized service
Buy Life Insurance for Burial is different from other agent companies in that we can customize our service and coverage to the unique needs of each individual. 

An agent who represents only one company and only has one option to offer is often focused on selling insurance, rather than the customer’s needs, because there is no opportunity for customization. 

4.Bias reduction
When you work with a broker who has multiple options, it opens up the potential to reduce bias.Though we cannot completely reduce bias when it comes to age, health, and other contributing factors that affect eligibility, we can open up the opportunity for coverage to more individuals with difficult to place issues.

We’ve already mentioned options a number of times – it’s probably one of the biggest benefits of working with a broker. 

When you are shopping for life insurance you want to find the best value for money. That’s why not being restricted to just one provider is important. A broker can offer a number of options, giving you a better chance at getting the quality coverage you are looking for at an affordable price. 

If you are looking for affordable life insurance coverage, give us a call for your free, no obligation quote 888 626-0439.  

You’ll speak to a friendly broker who can answer questions and get you on track toward getting quality life insurance to protect the ones you love.

If you’d rather skip the phone call and send us a message instead, simply submit your information in the box to the left or bottom of the screen. We will get in touch within 24 business hours with more information.

If you have been declined

Life Insurance options for people declined for coverage - uninsurable

Let’s say you have been declined and are worried that there are not going to be any other options available. So in this circumstance people often experience a decline and then quit looking for life insurance altogether. The problem with this is that sometimes individuals will get declined because of their limitation of coverage options.

They may work with a broker or with a captive agent that doesn’t have access to a lot of life insurance companies. And so the limited options give them limited results. They’re not able to shop around to see if there’s a better course of action for life insurance coverage. They just take what they think to be the only course of action.

If this is the case and you believe that you’re in a circumstance to where your options for life insurance are limited, take my advice and don’t take this declined application as the end all be all.

Hard to place examples of clients with serious health issues

Buy Life Insurance for Burial has helped clients with a number of hard to place health issues. Here are just a few examples.

Many people who have COPD, or chronic obstructive pulmonary disease, think their chances of getting life insurance coverage are low. However, those with chronic bronchitis, asthma, emphysema, and black lung can often qualify for insurance at an affordable price if they work with a broker like us. 

We are able to shop among a number of companies to find the best value for individuals with these health concerns.

Clients who have diabetes might struggle to get insurance with a captive agent. But those who come to Buy Life Insurance for Burial often qualify. For example we worked with a gentleman who took an excess of 50 units of insulin a day to regulate his sugar levels. Because he chose to work with a broker like us, we were able to get him quality coverage to meet his budget and insurance needs.

Many clients express a fear of not being eligible for life insurance after surviving cancer. Their fears are often alleviated though when they work with us. If  your cancer has been in remission, chances are you will qualify for coverage. The longer the period of time since remission, the better your chances are of getting quality life insurance.

Liver or kidney problems
For those who suffer from cirrhosis of the liver, hepatitis C, or chronic kidney issues, finding life insurance coverage can be challenging. Buy Life Insurance for Burial works with a number of carriers that offer coverage despite these conditions. Even those with chronic kidney issues can sometimes qualify for preferred coverage.

Heart problems
Individuals with heart problems can qualify for life insurance. We here at Buy Life Insurance for Burial work with a number of carriers who offer first day full coverage to those who have had heart attacks, or have had operations to have stints or pacemakers put in. 

Neurological health issues
Those with neurological problems such as systemic lupus SLE, Parkinson’s disease, and multiple sclerosis may worry about finding coverage. These types of issues are often declined, but we have had great success in the past finding coverage for individuals suffering from these chronic diseases.

Behavioral health problems
Many of our carriers are able to qualify those with behavioral health problems. These may include depression, bipolar disease, schizophrenia, PTSD, and anxiety.

What you should do to find out if you are insurable and what options you might have

You have many different options for buying life insurance

Let me give you three different types of circumstances where you may find that you’re actually able to get insurance even if you’ve been declined before.

Shop with a broker

A broker is one of the most important advantages you can utilize when you are trying to get insurance coverage. Many times people who are declined work with a singular agent at a singular company. Maybe they went up to their local car insurance office, were offered an insurance product and were promptly declined. This happens way more often than you probably would imagine and in response to that, people just get negative and think that there are no other options available.

The truth is there are plenty of options available in many circumstances. A broker represents a variety of different companies and many times your particular health issues will be just fine if they shop around for a carrier. You just need to find an agent like us here at Buy Life Insurance for Burial that understand what companies accept and don’t accept. Then you can determine which product is going to be the overall best index of coverage and pricing for you.

Take, for example, one of my clients I met recently. This individual was in her sixties and was declined by New York Life Insurance due to her diabetes. She didn’t have any other health issues, no blood pressure problems, and just took a pill to manage her diabetes. This is the kind of risk factor that many life insurance companies are willing to take on.

Consider simplified issue whole life insurance

Simplified issue whole life insurance is a special kind of product that has much more minimal underwriting requirements than a more traditional life insurance products. What I find is a lot of people who were declined applied for specific coverage with a company despite having a chronic illness or some sort of health factors that stood in the way. Due to strict guidelines, the company quickly declined their application.

Whereas with a simplified issue product, it’s much easier to get coverage put into place because of the much more lenient underwriting. With simplified issue products I’ve had all sorts of people who have had otherwise considerably chronic issues approved for preferred coverage.

Significant rate increases can occur with a variety of health related conditions including:

  • Obesity
  • Heart problems
  • History of cancer
  • Insulin use
  • Lung problems, COPD or emphysema
  • Hepatitis
  • Heart attack
  • Stroke or stent history

Neurological diseases can also result in significant rate increases for things like:

  • Lupus
  • Multiple sclerosis
  • Depression
  • Bipolar disease
  • Schizophrenia

If you suffer from any of these conditions, try to find somebody like Buy Life Insurance for Burial that can offer you these kind of simplified issue solutions so that you can get coverage in place.

Worst case scenario

In a worse case scenario, guaranteed issue can provide coverage if you are bed bound or terminally ill. This type of plan is a last resort and not something I would typically recommend.

A guaranteed issue insurance application doesn’t ask health questions and in exchange you will not be fully covered for natural death until two years have passed. Why would somebody go with this plan? Because they have no other option and if they do live past the two year point, then they’re fully protected for the full amount and under no circumstances can they be restricted for their coverage.

Group Life Insurance

Owner of, David Duford, with his two 5-year old girls

My twin girls Emily and Eva thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

If you find that you are having difficulty getting life insurance, make sure that you max out your group life insurance plans both at your work as well as your spouses work. Getting a maxed out group life insurance plan generally allows you to get coverage without evidence of insurability. In some cases once you retire or quit that policy’s portable or you may be able to convert it to a private policy without proving evidence of insurability.

Bottom line, if you’re looking for life insurance and you’ve been told you’re uninsurable, I hope you don’t give up looking for coverage. Despite advice you may have been given, or your own thoughts on the matter, there may be other options available to help you find coverage.

Truly, you can get life insurance in many circumstances where you might think it is impossible as long as you deal with the right people and the right brokers. That’s what we do here at Buy Life Insurance for Burial. We believe some insurance is better than none and many times we can help you out where otherwise people think it’s impossible. Contact us at (888) 626-0439. Or send us a message and we’ll be happy to provide quotes to help you with your life insurance needs.

I hope this read has been enjoyable for you. If you would like to find out more about how you can protect your family and loved ones, don’t hesitate to get in touch. We are here to help. 

From retirement coverage to income replacement and final expenses, we cover a range of concerns to give you peace of mind. Call us direct at 888 626-0439 to speak to a broker who can provide you with a free, no obligation quote in 10 minutes or less.

If you prefer to message us, simply submit your information in the box provided and we will follow up with a personalized quote. 

Thanks for your interest. We hope to speak with you soon.    

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January 29, 2019 at 3:30 pm
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