Advances in medicine have created huge opportunities for those who previously thought that life insurance would never be an option. The key to this category is the word “control”. Is the situation controllable and are you exhausting every opportunity to bring control into the equation?
People afflicted with diseases such as epilepsy, obesity and breast cancer can now obtain life insurance.
Great strides in cancer research and cures now allow certain cancers to be underwritten as standard risk. Diabetes that is very well controlled can now be considered for life insurance. A diagnoses of HIV just a few years ago would have prevented a discussion of HIV life insurance, but now new antiviral drugs and better data have helped underwriters explore issuing life insurance to those who are HIV positive (this is a very limited number and the underwriting criteria is very strict for HIV life insurance).
Sleep apnea can now be controlled effectively with CPAP and some dental appliances. With a good history of compliance, cost effective insurance can be found.
Having an expert in risk life insurance can turn an automatic denial into a successful result. The difference is our agency’s depth of experience. Some underwriters stop exploring insurability when they have limited data. Our agency works with you in a team/partnership approach to collect data that is more comprehensive and we are able to offer a better picture to the underwriter. This extra effort will produce results and assure the underwriter that you have taken every step possible to reduce their risk. Contact Jilek Risk Group in Dallas, Texas today and learn more about our life insurance policies for HIV, breast cancer, epilepsy and diabetes.