High Risk Life Insurance
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Many things can make you a "high risk" applicant from the perspective of a life insurance company. If you have a prior- or existing health condition, including diabetes,
cancer, obesity, or liver disease, you will be placed in a high risk category.
Additionally, life insurance carriers may use lifestyle traits to assess your level of risk.
Smokers will almost always pay more for coverage, as will individuals who have been convicted of a DWI or other serious driving infraction. Some carriers may even
refuse coverage altogether if they determine that you are too risky.
Being a "high risk" applicant can be frustrating, especially when you have little or no control over the factors that place you in a high risk category. Still, there
are many good coverage options available for you and shopping around can usually help you discover affordable rates, even under high risk circumstances.
If you have been turned downed for life insurance coverage or you have been rated-up as a high risk applicant, the resources contained in this section are aimed at
helping you. Our secion on life insurance topics for high risk individuals contains
information for diabetics, smokers, and seniors who may find it difficult to secure affordable coverage. There are also discussions about acquiring life insurance
without a physical exam.
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