Have you been declined for insurance? You must feel discouraged and think you’re out of luck. Actually, there are still options for you even if you’ve been rejected for insurance in the past.
All different types of insurance (life, disability, health) have some alternatives called “substandard” insurance available for not-so-healthy individuals. Some of these second chance options have a higher premium or benefits that are trimmed down, but they still offer basic coverage when you most need it.
Another option is Guaranteed to issue insurance which offers the same full coverage that is usually available only to healthy customers. The guaranteed issue insurance options are usually offered to groups of two or more individuals working for the same employer. Not all industries will qualify for guaranteed issue, and there are many restrictions for an employer group to qualify for these plans, that’s why a thorough consultation is needed with your agent to figure what options are available from all insurance companies.
Contact the insurance experts at LifeGuy to discuss your specific situation and find what options are available for you.
Call 877-LIFE-GUY or email SecondChance@LifeGuy.com