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We work with individuals across the nation to secure the best life insurance rates.
LIFE INSURANCE FOR PRE-EXISTING CONDITIONS - OUR 3 STEP PROCESS TO FINDING YOU COVERAGE
STEP 1- WE SEARCH OUR DATABASE FOR COMPANIES THAT DON'T REQUIRE AN EXAM
Some insurance carriers might want nothing to do with your condition. Others might not care that much about it Our expertise lies in finding the carriers who focus on your specific niche. For Example, we had a client who is 5’2” and over 300lbs. Most companies have a weight chart that would prevent her from qualifying. The coverage was limited to $100,00 but that’s all she needed. She came out a happy customer
STEP 2 - WE FIND COMPANIES THAT ARE LENIENT TOWARD YOUR CONDITION
There might not be a "no exam" companies that ignore your condition. In that instance we look for companies that require an exam but might be very forgiving. The key is to be very detailed and honest with your agent so that he can research your issue with each company. We have guides from all the insurance companies in our database about what they look for in certain conditions. For example, we had a client with ulcerative colitis diagnosed at the age of 21. Most companies are lenient with a mild form of this condition as long as it’s diagnosed after age 30. We were able to find one company out there who was willling to accept her at a regular rate since their threshold was age 20.
STEP 3 - WE DRAFT A LETTER TO UNDERWRITERS ON YOUR BEHALF
If we are unsuccessful with steps 1 & 2. We reach out to underwriters for over 60 life insurance companies willing to fight for your business. We present your case anonymously, and usually a few of them will be willing to extend a potential offer. The key is to work with Boston Life Group and be as honest as possible. Once we have all that info, we’ll draft a letter and send it out on your behalf.
Have you been declined for Life Insurance?
We have good news for most people who have been declined for life insurance. For most medical conditions, there is a company out there willing to offer you some coverage.
Sometimes your disease might be at a state where it's too risky for a company to take a chance. However, even in those circumstances, there is usually a path to eventually obtain life insurance if your condition shows some stability. In those cases, insurance companies would require a waiting period. If you are able to show stability for the designated time period, you will then be eligible for life insurance coverage.