How to find lowest rates on life insurance if you are in less than perfect health

How to find lowest rates on life insurance if you are in less than perfect health

To find the absolute lowest rates on life insurance when you have a history of not so perfect health you must be sure to use an independent broker that has many carriers to choose from. You must also use a broker who has experience in knowing which insurance carriers underwrite which risks the best. It is also critcal that you give the broker a complete history of your health. This will allow the broker to make the carriers compete for your business.

Many people apply for life insurance with one carrier and think that must be the best offer available.If you are a diabetic and under good control with no other major health conditions, many times you can qualify for standard rates. Perhaps you have an occasssional cigar. Their are still a few carriers that will offer you a non-tobacco rate. Maybe you have had by-pass surgery and think you are totally uninsurable. Many times this is simpy not the case. There is no reason to pay more than you have too for life insurance if you do your homework.

Underwriting for life insurance has changed quite a bit over the last few years. Don't think you can't find affordable protection.The key is to know which carriers specialize in underwriting these type risks. Again, in order to find the absolute lowest rate on your life insurance, it's vital that you use a broker with experience, one that will work for you and not the insurance company. Many times an experienced broker can shop your coverage from dozens of carriers and provide you with a tentative quote right over the phone before you even have to go thru an exam or blood tests. If you would like more information on how you can lower your current rates on life insurance or to see if you qualify for new insurance just go to: www.rainesinsurancegroup.com

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