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October 10, 2015 By

Understanding Impaired Risk Life Insurance

Impaired risk life insurance is not the easiest concept to understand. Like other types of complex policies, such as disability insurance and long-term care policies, there are many obstacles built into the eligibility criteria, and there are many people who don’t even realize that impaired risk life insurance is something they need to know about.

Who Needs Impaired Risk Life Insurance?

Impaired risk life insurance is designed for individuals who have a history of chronic illness, and as a result of that illness may not qualify for traditional life insurance programs. Many life insurance carriers are skeptical of offering life insurance to an individual whose risk of encountering a health-related death is amplified due to their personal health history. However, life insurance is just as necessary for individuals who have had those chronic health issues as it is for someone who hasn’t. In fact, many would argue that life insurance is even more of a necessity, as death may come with hefty medical bills or debt as a result of the very condition that made you ineligible for a traditional life insurance policy.

Every person has the right to ensure their family is secure when they pass on from this world. That is the point of impaired risk life insurance policies. These policies are designed exactly for the individual who doesn’t qualify for traditional policies, often as a result of one of the following health conditions:

  • Obesity
  • Diabetes
  • History of Stroke or heart disease
  • Sleep apnea
  • Hepatitis C
  • Tobacco use
  • History of alcoholism
  • Crohn’s Disease
  • Severe anxiety or depression
  • Chronic cholesterol issues
  • Multiple Sclerosis
  • Cancer

In addition to these health concerns, there are additional lifestyle factors that might influence your ability to qualify for a traditional life insurance policy, including a propensity for the dangerous and thrilling, like sky diving, scuba diving, or outdoor rock climbing. Having a DUI on your record can also inhibit your ability to get a life insurance policy.

What impaired risk life insurance policies do is take into consideration these different factors, and come up with a policy that works for you. For more information about impaired life insurance policies, contact us to speak to an experienced representative. Excalibur Brokerage Agency specializes in impaired risk insurance, and you can request a free quote or contact us with any questions at any time at 800-652-9923

Filed Under: Affordable Life Insurance, Cheap Life Insurance, Life Insurance, Term Life Insurance Tagged With: affordable life insurance, Cheap Life Insurance, Final Expense Insurance, Insurance Market, steps for Cheap Life Insurance

New Jersey Life Insurance Expert

Carl Feller – the owner of Excalibur Brokerage Agency – has been a Life and Health Insurance professional for almost 40 years. Carl has been putting his expertise to work with the Brokers who place their business through his Agency, and for the customers who purchase their insurance through him.

Carl earned his Bachelor’s Degree in 1978 from Fairleigh Dickinson University, and then entered the insurance industry as an agent with Northwestern Mutual. Carl made his mark at the former Mutual Benefit Life Insurance Company in Newark, NJ where he was Vice President of Individual Disability products. After Mutual Benefit, he went to a John Hancock Agency, helping to build a national brokerage operation, until he decided that he wanted to build his own Agency and put to use all of his knowledge, contacts, and capabilities. Life insurance and its suite of products, Term Insurance, Impaired Risk, Long Term Care, and Disability to name a few, are complex at best to the general public, and each product and company has charted its own maze with underwriting and product options. Carl, being licensed in almost every state, has put his expertise to use on both the customer and Broker side. For his Brokers, as a General Agent for about 30 companies, he pre-underwrites cases, advising on the best product or company for a particular need. For the customer, he strives for that perfect fit: the right product for the right person.

About fifteen years ago, Carl ventured into the Senior Market, specializing in Long Term Care. In 2003 he earned his certification as a Long-Term Care Professional (LTCP), co-sponsored by the Health Insurance Association of America (HIAA) and the American Association for Long-Term Care Insurance (AALTCI). As a Long-Term Care Professional and a certified trainer, Carl is very knowledgeable about this particular segment of the market, and has followed it through its evolution.

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Phone: 800-652-9923 / 732-297-6000

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