High Risk Life Insurance FAQs
Depending upon your medication and level of control, we have many programs for even the most severe cases. For those over 50 who currently take oral medication only for diabetes, you may qualify for a “Standard” rate with some of our insurance carriers. For those using insulin or taking several types of medications, the rate will be higher than standard, depending upon your lab test results and the age you were when you contracted diabetes.
Normally, you will be eligible for life insurance one year after a heart attack or heart surgery, but the rate will depend upon the level of damage and your follow-up test results with your cardiologist. We also have programs available for persons with a pacemaker or defibrillator.
With many types of cancer, including breast and prostate cancers, most insurers will accept an application one year after all treatment has ended and you have been declared “cancer free.” Early stage cancers are easier to insure and can be insured soonest after treatment. For those who have been treated for lymphoma or late stage cancers, however, the wait period is usually two or three years.
Anacapa Insurance Services is dedicated to helping you make the best decision for your life insurance needs. No one insurance underwriting company has the best rates for every profile. That is why we provide you with information and rates from the leading life insurance companies so that you will know where the best policy is for you based upon your personal medical history and insurance needs. We provide instant term life insurance quotes and complete illustrations for permanent policies as well as online customer service for your convenience. It has never been easier to purchase life insurance. Our excellent lineup of carriers means more choices and the best rates for you, no matter what your medical history is or type of plan you need.
Some companies will offer nonsmoker rates to those who smoke less than 4 cigars per month or use chewing tobacco. Otherwise, you must quit smoking for at least one year to be rated non-tobacco.