Skin Cancer Life Insurance Underwriting

Posted on November 9, 2011 by

If you have had skin cancer and need life insurance, we can help you.

Whether you had basal cell skin cancer, squamous cell skin cancer or malignant melanoma, there are a number of life insurance companies available to you.

Basal Cell Skin Cancer – Basal cell skin cancer is of little concern to life insurance underwriters once it has been treated.  We have a number of companies that will consider you for their “preferred” rates and in some cases their “preferred best” life insurance rates.

Squamous Cell Skin Cancer – localized squamous cell skin cancer is non rated for life insurance once it has been removed.  We have a number of companies willing to make aggressive life insurance offers to you.

Malignant Melanoma – With malignant melanoma, life insurance underwriting is based on the TNM staging of the malignant melanoma.  Life insurance underwriters want to know the TNM staging, the Clark’s Level, any recurrence, and location of the melanoma.  Underwriting offers when available will typically include a postpone period from the time treatment is completed until life insurance is available.  In addition, life insurance rates may include an additional charge called a flat extra that is added to the “standard rate”.

Posted in Basal Cell Skin Cancer, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, term life insurance, top 10 health problems in america | Tagged , , , , , , , | Leave a comment

Diabetes Awareness Month

Posted on November 2, 2011 by

November is diabetes awareness month.

According to the American Diabetes Association, 79 million Americans are at risk of developing type 2 diabetes!

From a life insurance underwriting standpoint, type 2 diabetes represents one of the fastest growing health impairments we see.

If you have type 2 diabetes and need life insurance, there are a number of life insurance companies available to you.

type 2 diabetes life insurance quote

Here is what life insurance underwriters want to know about your diabetes:

  • When were you diagnosed with type 2 diabetes?
  • How often do you visit your physician?
  • What was your most recent HbA1c level?
  • What was your most recent blood sugar reading?
  • What medications do you take?
  • Have you had medical problems as a result of your diabetes?
The key to type 2 diabetes underwriting is to show that your diabetes is controlled, especially your HbA1c level,  that you follow your doctor’s orders, you go for regular checkups, and you take positive steps to achieve the best diabetes control possible.
When you are able to do this, we have a number of life insurance companies available to you, some that may actually consider you for their “standard” to “preferred” rates. 
Posted in A1c, Diabetes, diabtes, hba1c, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, top 10 health problems in america | Tagged , , , | Leave a comment

Cigar Smokers Get Non Smoker Rates!

Posted on November 1, 2011 by

Cigar Smokers Get the Best Rates!

If you are a cigar smoker and need life insurance, you have come to the right place.

Did you know that there are a number of life insurance companies available that will offer you their very best non smoker life insurance rates?

The key to getting non-smoker life insurance rates is to make sure you apply to the right life insurance company, based on your cigar smoking activity.

Get a FREE Cigar Smoker Life Insurance Quote

In order to get the “super preferred”, “preferred plus”, or “preferred best” life insurance rates, most companies will require that your urine sample be negative for cotinine, which is the byproduct of nicotine.  Now if you can abstain from cigars for a period of time long enough to be negative, some companies allow 1 cigar per month while others allow 1 cigar per week.

The other thing to keep in mind is that if you use other tobacco products, the non-smoker rates will not be available to you in most cases.

If you think that there is no chance your lab results will be negative, have no fear.  We have life insurance companies available for this scenario as well.  There are a number of life insurance companies that will offer their “non-smoker plus” or “standard” life insurance rates to you even if you are positive for nicotine.

Posted in cigar smokers, Impaired Risk Life Insurance, Life Insurance, Life Insurance Awareness Month, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, term life insurance | Tagged , , , , | Leave a comment

Great Deal for Type 2 Diabetes

Posted on October 30, 2011 by

If you have type 2 diabetes and need life insurance, we have a life insurance company making some incredible offers in underwriting.

Type 2 diabetes life insurance quotes

With most life insurance companies, if you have type 2 diabetes, the best underwriting offers are typically a “standard” offer and in some cases a “standard plus” offer.

We now have a company available that will offer their “super preferred” underwriting rates in certain cases.  If you have type 2 diabetes, and have great control and otherwise would qualify for super preferred rates, this company will consider you for their super preferred rates.

As with any great life insurance underwriting deals, you can be sure that this will not last, so take advantage today!

Posted in A1c, Diabetes, diabtes, hba1c, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com | Tagged , , , , | 1 Comment

Breast Cancer Survivors Underwriting Updates

Posted on October 28, 2011 by

Earlier this month we wrote about Breast Cancer Awareness Month.

Breast Cancer Life Insurance Quotes

We have been able to help a number of stage 1 breast cancer and stage 2 breast cancer survivors obtain life insurance.  There are now a number of life insurance companies that are willing to underwrite you.

The last quarter of the year is the best time to try for life insurance as life insurance companies become more aggressive with offers in order to meet their year end objectives.

Here is a link to our earlier post.  Thank you.

http://directquotesamerica.com/2011/10/04/october-is-breast-cancer-awareness-month/

Posted in Breast Cancer, Impaired Risk Life Insurance, Life Insurance, Life Insurance Awareness Month, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, top 10 health problems in america | Tagged , , , , | Leave a comment

Type 2 Diabetes

Posted on October 26, 2011 by

As we approach year end, life insurance companies are more aggressive with their underwriting offers.  We have a number of life insurance companies that may even consider you for their “Standard” or “Standard Plus” life insurance rates.

The key is your HbA1c readings.  The better your HbA1c, the better the life insurance underwriting offers will be.  The following type 2 diabetes life insurance underwriting info may be helpful to you.  Thank you.

Posted in A1c, Diabetes, hba1c, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, Metabolic Syndrome, term life insurance, top 10 health problems in america | Tagged , , , , | Leave a comment

Life Insurance if you have Prostate Cancer

Posted on October 24, 2011 by

Prostate cancer is the most common type of cancer in men after skin cancer.

With life insurance underwriting, there are a few companies that specialize in underwriting prostate cancer history after your prostate cancer has been removed.

But what about life insurance for men who still have prostate cancer?

It’s a tricky situation….Your doctor tells you that there’s no need to remove the prostate cancer because it is slow growing and you will most likely die of old age rather than prostate cancer…

The problem that occurs is how life insurance companies underwrite men with active prostate cancer.  Most life insurance companies will decline you for life insurance, but…the good news is that there may be life insurance available to you.

Here’s what you need to know:

If you are under age 70, and your doctor has recommended that you watch and wait rather than remove your prostate cancer, most life companies will decline you and it will be difficult to get you life insurance.

If you are age 70 or older with active prostate cancer:

The life insurance companies that will consider you for life insurance look for Stage 1 or Stage 2 prostate cancers with low Gleason Scores of 6 or less, and PSA levels in the range of 10 or less.

If you fit into this category, it may be possible to obtain life insurance at Standard rates.

If you have prostate cancer and would like a life insurance quote, please take a few minutes to complete our prostate cancer life quote request.  We will contact you asap to discuss and have an impaired risk life insurance expert shop your information out for the most favorable life insurance rates.  Thank you.

Posted in Impaired Risk Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, Prostate Cancer, Prostate Disorders, top 10 health problems in america | Tagged , , , , , , , | Leave a comment