High Risk Life Insurance

Is there life insurance for high risk people?

Yes, there are life insurance companies that offer coverage for people considered a high risk.

What types of people would be considered a high risk for life insurance?

That may dpeend on the insurance company, but usually there are several reasons a person may be considered a high risk when it comes to life insurance:

1. Obesity - If you are overweight and considered obese.

2. Age - Some insurers consider people over age 80 a high risk.

3. Smoking - People who smoke may develop emphysema, COPD or lung cancer.

4. Diabetes - Diabetics may have a shorter life expectancy than non-diabetics.

5. HIV / AIDS - Poeple living with HIV may have a shortened life expectancy.

6. DUI's - People with 2 or more DUI's may be a high risk for coverage.

7. Health Problems - People with other health issues including high cholesterol, high protein levels, and heart problems may be a high risk for life insurance.

8. Drug Users - People who use illegal drugs.

Even if you fall into the high risk classification when it comes to life insurance, you may still be able to qualify for coverage.

And, if you are turned down, there are insurers that offer guaranteed acceptance life insurance plans.

Here's how you can learn more about life insurance for high risk people