All insurance carriers will insure someone who is in perfect health, but what about the majority of people that have some issues? In this case it pays to have assistance in finding who the best insurance carrier is for your unique situation. Experience and independence matters! We are an independent company with over 20 years experience in the financial and insurance industry. There are thousands of insurance companies in the United States. Let us do the work to find the right insurance carrier for you. Rates can vary significantly from one carrier to another for different conditions. Here are some areas where we can help:
high blood pressure high cholesterol asthma on prescription for anxiety
on prescription for depression sleep apnea controlled type 2 diabetes
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chewing tobacco cigars overweight obese fatty liver ablasion
We have a complete array of life insurance products to fit your unique situation including:
No Exam Life Insurance - we have carriers that will insure you up to $750,000 with no medical exam required!
Whole Life - includes guaranteed death benefit and cash value accumulation.
Term Life - least expensive, but for a temporary need.
Return of Premium Term - hybrid policy between term and whole life. Offers flexibility and option for conversion to a permanent policy and also a paid up death benefit at end of term.
Traditional Universal Life - policy performance depends upon interest rate fluctuations.
Guaranteed Universal Life - often used for estate planning due to low cost and guaranteed death benefit at a level premium which is guaranteed not to increase.
2nd to Die - policy has a lower cost because it does not pay out until both spouses die. Often used for estate planning to leave wealth to children, a charity, or a special needs child.
Contact us today for a consultation or quote!