Are You Afraid of Being Declined for Life Insurance?
What is high risk or impaired risk life insurance?
Definition: A substandard, or less desirable than average, risk.
Whether you fly helicopters offshore or corporate jets around the globe, we have you covered. Perhaps you fight fires in the United States or you are a civilian contractor in a foreign land in a non-military role, so finding the right life insurance can be difficult. Missionaries and Active Duty Military need life insurance as well. Give us a call!
When you enjoy flying airplanes or jumping out of them, some life insurance carriers think that they need to avoid you. Consider the peace of mind when you know that you are covered while you enjoy your favorite sport/hobby. Our robust aviation experience can help you find the right coverage for the right price. Use us to shop multiple underwriters and find the best deal for you.
Every business has a key person and most have several. It is the creative designer, coveted engineer, or exceptional salesperson that we all know is the key to the entity’s success. If that person dies, the entire business is thrown into limbo. Rather than have that disruption, plan ahead and have the resources that will allow time to hire a replacement or weather the storm until your remaining team can get up to speed.
You have survived cancer or perhaps you need medication to control high blood pressure, diabetes, epilepsy or HIV. Huge strides have been made in medicine and you need our agency to help you find the life insurance company that understands your situation. Be smart and use an agent that specializes in the tough, hard to solve situations.
A past DUI can be embarrassing and can affect your ability to get life insurance. Perhaps you used recreational drugs in the past or have abused prescription medications and needed a rehab facility to get back on track. While every case is unique, we would love to have the opportunity to help you find the life insurance coverage you need.
Many who suffer from mood disorders, bipolar condition, ADD, ADHD, anxiety or depression can achieve stability and control with the new advances in medicine. Unfortunately, there are a limited number of insurance companies that truly understand mental health conditions and their treatments. Our agency has access to the best underwriters in the industry.
Impaired or High Risk Life Insurance
If you picked up a dictionary that specialized in insurance lingo, you would find that impaired risk is a substandard risk. Another definition is a less desirable than average risk. We find that this is over emphasized by agents that are interested in insuring only the easy cases; the cases that don’t require much effort; the preferred risks.
- Many of us have chosen certain professions or hobbies that give us enormous satisfaction, but don’t fit society’s definition of low risk. The majority work in office buildings and sit behind desks. You may have chosen to work in a moving vehicle (aircraft) or enjoy jumping out of one.
- Perhaps you have been challenged with certain health issues such as cancer, diabetes, sleep apnea, epilepsy or HIV that are now under control and you want to create a secure financial future for your family or loved ones.
Many insurance professionals simply don’t have the experience or desire to tackle the jobs that are viewed as “outside the box”. Our Dallas high risk life insurance agency has access to the experience and possesses the desire to help you find impaired risk life insurance when you may have been denied life insurance in the past.
Jilek Risk Group of Dallas has teamed up with underwriters who understand that some of us have chosen, or have been challenged, with a different path in life. We think that you deserve someone to help you search for high risk life insurance solutions that give you confidence in your family’s financial security.
