High Risk

High-Risk Life Insurance Client Approval Process

Written by Ty Stewart

Add Content Block Add Content Block Add Content Block You may have heard it’s hard to be approved for life insurance if you are considered a risk. You may have already been declined for coverage and searching for help. You may be wondering what the heck is actually considered “high-risk” life insurance? These questions will be answered plus a.. More

Life Insurance Approval with a Felony Conviction (Yes, it can be done)

Written by Ty Stewart

Yes, most life insurers are going to ask about a felony conviction if you are applying for a traditional fully underwritten insurance policy. It seems logical that if a life insurer is going to check your driving record, they will most certainly check for felony convictions. It’s all part of the underwriting process that determines whether…

How Your Driving Record (MVR) Affects Life Insurance Rates

Written by Ty Stewart

We get it. Nobody is perfect. 8 people are slapped with speeding tickets every minute in the US. A simple speeding ticket may not seem like a big deal. “I’m a safe driver” you are thinking. The truth: Your life insurance company will care…..

Life Insurance and Alcohol Abuse: Can I Get Approved?

Written by Ty Stewart

You have put your alcohol issues in the past and should be commended. We are NOT here to tell you the risks of alcohol abuse. I think you are well aware and I don’t want to insult you. It is, however, important to understand how the insurance carriers look at this risk….

Life Insurance Table Ratings Explained

Written by Ty Stewart

Everyone that applies for life insurance will be “rated” one way or another. If it sounds cold and hard, that’s because it is. If you are generally in good health, you will fall into one of the 4-6 regular health classifications. The better the health class, the lower your premiums.

Life Insurance After a DUI or DWI: 6 Important Questions Answered

Written by Ty Stewart

Expect to pay more for your life insurance if you have a DUI on your driving record. Some of you reading this may have already been declined altogether or been told by another agent that you can’t get coverage. However, all hope is not lost. You can get affordable….

Ultimate Guide to Tobacco Life Insurance

Written by Ty Stewart

yeah, yeah, YEAH, enough already! You’ve heard about the dangers of using tobacco products and are sick of it. We are NOT here to give you warnings or try to change your mind. It’s legal. You are an adult. It’s your choice. What we are here to do: Everything in our power to make sure you get the.. More

Life Insurance for E-Cigarette Smokers: Vape ‘Em If You Got ‘Em

Written by Ty Stewart

On the surface, this may seem absurd. E-cigarettes are not tobacco, so one should not have to worry about them carrying the same health risks. There are really 2 reasons why most insurers have thus far refused to consider vaping and e-cigarettes separately…..

Life Insurance and Marijuana: How to Pay Cheap Rates

Written by Ty Stewart

What’s the big deal, it’s just a little weed, right? Can I still get affordable life insurance rates if I smoke pot? Lucky for you, the answers to those 2 questions are pretty favorable these days. In this article, we’ll explore everything you need to know….

Life Insurance for Skydivers: Jump for Affordable Rates

Written by Ty Stewart

When you are an extreme hobbyist, and the thought of jumping out of an airplane at 12,000 feet going 115 mph makes you jump for joy, it may be a little difficult to see an insurance company’s point of view on skydiving….

Life Insurance with Drug History: Hope Exists for Low Rates

Written by Ty Stewart

If you currently use illicit drugs or have used in the past, you might be wondering how this will affect your application for life insurance. Maybe you’ve already applied for life insurance but got declined because of your drug history….

Life Insurance and Chewing Tobacco: Same as Cigarettes?

Written by Ty Stewart

One question we see often, is the following: “Does life insurance for chewing tobacco users cost the same as policies for smokers?” The Answer: It varies (I know, probably not what you wanted to hear)….