Impaired Risk Life Insurance 101

Impaired Risk Medical Conditions
Or A Participant In A Hazardous Hobby

Impaired Risk Life Insurance Specialits

If you have been declined life insurance, had your coverage postponed, or your policy rated, you may still be able to obtain standard coverage.

We have helped many people obtain valuable Life and Critical Illness Insurance, when they thought it was unobtainable.

Important: While we understand your desire to obtain life insurance, it is important you don't keep on applying for coverage. Too many declines will make it more difficult to obtain coverage.

Many people discover that when they apply for their insurance policy, the insurer declines the application. Sometimes the reason is known, but equally it can come as a shock.

We understand this can be a stressful time. Not being able to obtain insurance can cause you problems with mortgage lenders etc, as well as cause you to worry about what would happen to you or your home or family if the unexpected happened.

It is important however not to make any rash decisions. At Safely Invest we have a proven track record in helping people who have been previously declined insurance. We do this in a number of ways:

We know the insurers and their criteria
We make sure we understand your situation fully before making an application
We can talk directly to underwriters about your specific case
We can discuss alternative overages that may meet your needs
We offer guaranteed acceptance plans for significant health conditions.

We only submit an application to an insurer when we have discussed the case fully with yourself and the insurer, and we feel it has a reasonable chance of success.

Whilst we cannot guarantee that we can obtain insurance for you, using a company like ours that has had experience in this particular field will greatly improve your chances.

As always we are keen to make you fully aware of how we work on your behalf and what the possible outcomes may be. Safely Invest does not charge you for the advice given or work undertaken.

Below are possible outcomes :

The insurance company will accept your application on standard terms
The insurance company will accept your application but charge you an increased premium
The insurance company decline your application

Here are just some of the areas where we have been able to help :

Poor Medical History

Some people are well aware that their medical circumstances mean that they are likely to be refused Life Insurance, or at the very least have special conditions placed upon it.

To many other people the news that an insurer is going to refuse their application comes as a complete shock. On occasion it can simply mean nothing more than they have chosen the wrong insurer, for example many insurers won't accept clients who have a history of diabetes while others will.

The problem in these cases is that you now have been officially declined by an insurer. This is a material fact that you must disclose in all other insurance applications and, of course, it can mean that another insurer is less likely to take you.

We have helped many people with poor medical histories obtain cover and you might even be accepted at standard rates.

Unusual Professions

People in higher risk occupations may also struggle to get coverage. Selecting the the right carrier is also important in obtaining the coverage with reasonable rates.

Our team will work to ensure that we get you the cheapest and most appropriate cover available.

The real secret to getting the best deal on life insurance is to know how different insurance carriers look at various health conditions or impairments.

At Safely Invest Financial Services we will work to match you with the best carrier for your situation.

Click on one of the links below for more information about specific conditions and then ask us for a personalized quote.



General Purpose	Drug Use
Alcohol	Driving
Cancer	Heart Disease
Chest Pain	Stroke
Depression	Tobacco User
Diabetes	Hepatitis