Smokers often find it difficult to get good life insurance because of the risks that smoking presents. However, it is still possible to get good rates on life insurance, depending on the types of tobacco products used: cigarettes, cigars, pipes or chewing tobacco. Those who have quit smoking can qualify for special rates. Those who smoke cigarettes only socially, smoke a pipe or cigars, or chew tobacco can sometimes even qualify for non-smoker rates.
With a diagnosis of diabetes, people find that they can’t get or afford life insurance. United States federal and state laws allow insurance companies to deny life insurance to applicants with health issues or to charge sharply increased premiums.
However, other countries have different laws and a person with diabetes seeking to buy life insurance may find it beneficial to investigate life insurance issued under the laws of a country other than the U.S. Most large insurance companies can help find international underwriters who will sell Life Insurance for Diabetics in the United States. Such policies can be surprisingly inexpensive, when compared with those issued by U.S. companies.
Veterans and service members may be eligible for life insurance through the Department of Veteran Affairs (VA). Because of the risks of military service or a service-related disability, private insurance companies are often reluctant to insure veterans and service members. Veterans Term Life Insurance was developed to provide insurance benefits for those who cannot get it elsewhere.
The VA is responsible for ensuring the care and support that military service members have earned, and this includes insurance, medical care and disability compensation. The VA recommends that service members have a physical exam about 4 months before leaving the service, as this may provide the basis for future disability compensation claims. At that same time, they should request a certified copy of medical records.
Why it pays to let LM Financial help you find the best, most affordable term life insurance
We will contact you promptly.
We will never sell your personal information to anyone.
Our computerized quote database accurately determines the coverage you qualify for.
You will get quotes from several highly-rated insurance companies, to make sure you get the best coverage at the best price.
We will assist you in getting your life insurance policy issued quickly and efficiently.We are committed to providing excellent customer service and the best term life insurance.
Click here for your Affordable Special Risk Life Insurance quotes.
