There is a lot to consider when it comes to purchasing life insurance, both for you and for the company that underwrites your insurance policy.

As the company decides whether or not to accept you and how much your premiums and policy will be, one of the key players is blood pressure.

To further complicate the process, each company will assess issues like high blood pressure differently, which affects your rates and access to coverage.

Some insurance companies have stricter medical underwriting, and those companies will turn out higher rates.

If you’re worried about the kinds of rates you will be expected to pay towards your policy because of your blood pressure, don’t worry!

Because it’s possible to get affordable life insurance protection. [Read more…]

Chemical imbalances and mood disorders are some of the most misunderstood, regularly occurring, medical conditions in the United States.  This spreads even to the insurance companies where life insurance for people with bipolar disorder has such varying rates it is hard for people to understand why and what they are looking at when they get quotes.  At InsureNow365 we specialize in bipolar life insurance and know you are looking for answers to how to get the best rates.  With that in mind, we put together this list of questions that we frequently receive. If you are in search of other types of insurance such as Veterans Life Insurance, smokers life insurance, or no medical exam life insurance, we have options for you as well. Continue reading to learn more about our reviews such as our Metlife Life Insurance Review. [Read more…]

Life insurance is one of the most important purchases that you can ever make for your family, but finding the perfect plan can be a long and complicated process. If you are in a bad health or have any health complication, it can make it even harder to find a plan that fits your needs. Conditions like sleep apnea can have negative impacts on your life insurance plan, but that doesn’t mean that you can’t get an affordable policy.

Having problems with your sleep can be an annoyance or a serious problem, but having the life insurance companies jump in and raise your rates can simply make you angry.  Sleep apnea affects about 12 million Americans and the rates are increasing.  Many life insurance companies do not understand the condition and will rate people for more expensive life insurance than is necessary.  Understanding why life insurance companies rate sleep apnea life insurance differently is key so we put together some of the common questions we get when helping people get life insurance with sleep apnea.

This article is going to look at the ways that you can get life insurance, even if you have sleep apnea. We will also look at several ways that you can save money on your life insurance coverage. We know that shopping for life insurance is not the most fun task, but that’s why we are here to help.

[Read more…]

With more than 37 million people classified as disabled by the Council for Disability awareness, the question of getting life insurance for this group comes to us on fairly regular basis.  In 1990 the Americans with Disabilities Act was passed and it prevents anyone from denying coverage to anyone because of their disability.  What they can do is charge you higher rates if your disability has the potential to shorten your life.  We put together these common questions to help you understand what will affect your life insurance rates and how to get the cheapest life insurance if you are a disabled adult.   If you are familiar with your options and are ready to get quotes you can use the form on this page to get started looking at your options. If you are in search of no medical exam life insurance, we have options for you as well. [Read more…]

How a Pre-Existing Medical Condition Can Affect Your Application for Life Insurance

One of the primary criteria in qualifying for life insurance is an applicant’s anticipated life expectancy, as someone who has a shorter estimate time can pose much more risk to a life insurance company than someone who is young and in good health.

Just some of the pre-existing medical conditions that may cause an insurance carrier to look more closely at your health situation include:

• Cancer
• Multiple Sclerosis
• Stroke
• Heart disease
• Diabetes  (You can still get type 1 diabetics health insurance)

The underwriters may also want to learn more about your pre-existing medical condition – as well as your health in general – by reviewing your medical records. These may be requested from your primary care medical professional and/or from any specialists that you see.

You’ll also participate in a short medical exam, that the carrier uses to collect samples of your blood and urine that are tested to see if you are prone to any future health issues.

Once all of your information has been obtained from the insurance company, the underwriters will be better able to understand your health condition, as well as whether or not it may be considered too risky to accept your application for coverage.

How Much Does Life Insurance Cost If You Have a Pre-Existing Condition?

Your life insurance premium can also be affected by your overall health – especially if you have a specific pre-existing condition. Depending on the condition – and how you are managing or controlling it – there is the possibility of being offered coverage at a Standard premium rate. This means that, other than your pre-existing condition, you can in fairly good health, and because of that, you will pay a similar amount of premium as someone who is considered to be of “average” health.

However, if it is deemed that your pre-existing condition may make you riskier to the life insurance company, you may be offered a policy with a Sub-standard rating. This means that, even though you may qualify for coverage, the amount of the premium will be higher than that of someone who is considered to be in average health, and who is your same gender and age.

When it comes to Sub-standard policy rates, there are several different categories that your coverage may fall into, such as Mild Sub-standard, Medium Sub-standard, or Severe Sub-standard. Life insurance companies may also use Table Ratings. This means that the insurer will add an additional amount to the policy’s premium. In some cases, if you have owned your policy for a certain number of years, the extra amount of premium will be reduced.

In any case, if you do have any pre-existing medical conditions, it can be important to obtain premium quotes from several different life insurance companies. This is because, just like most other products and services that you buy, the price of a life insurance policy can differ, sometimes significantly, from one insurance company to another. This can be the case, even for the very same type and amount of life insurance coverage.

When comparing life insurance policies and their premiums, it can be best if you work with an independent life insurance agency or brokerage. That is because these companies will usually work with a multitude of life insurance carriers – and because of that, they will be able to go out into the marketplace and find you the best coverage and rates for you.

What To Do If You Don’t Qualify for Traditional Life Insurance

It does not mean that you will have to go without life insurance coverage altogether if your application has been turned down. For those who have pre-existing medical conditions, a no medical exam or a guaranteed issue policy could still provide you with the insurance coverage that you need.

In fact, with a guaranteed issue life insurance policy, you are guaranteed to be approved for coverage, and your policy cannot be canceled by the insurance carrier – provided that you continue to pay the premium.

While the cost of no medical exam and guaranteed issue life insurance may be higher than that of a medically underwritten plan, these options can provide you with financial protection and peace of mind, even if you have medical issues to contend with.

In addition, because there is no medical underwriting required, these types of life insurance policies can often be approved and issued within a very short period of time – possibly even the very same day that you apply.

How to Find the Best Rates on Life Insurance – Even If You Have a Pre-Existing Condition

Our agents at Insurenow are well versed in helping clients who are dealing with health issues or have numerous pre-existing conditions.

And we promise, that with our contacts, we will work hard to put you in a life insurance plan that is beneficial to you. The way we find the best rates for you is to compare, compare, compare.

We will listen to your situation, and figure out what companies fit your needs. Then we will run rate comparisons between different styled plans until you are comfortable and satisfied with our suggestion.

We’d love for you to fill out the quote form on the left, or give us a call at 888-229-7522. We’re ready to help you and your family!