Have you been declined for life insurance? It happens, with some companies. That’s why working with an experienced, independent life insurance broker life “The LifeGuy”, can help you find coverage even if you were rejected before.

In my 20+ years in this industry, I was able to secure coverage for clients who battled cancer, diabetes, heart disease, stroke, MS and more. Basically, no medical history can stop you from getting proper coverage. Of course, you may not be able to get a $1,000,000 coverage to start today, if you were just diagnosed with cancer last month, but you can still get at least a $25,000 or $50,000 policy, albeit with a potential waiting period, depending on your condition.

Yes – some insurance companies will issue a life insurance policy – with certain limitations – even if you’re with one proverbial “foot in the grave” or been “hit by a bus”. These limitations can apply to the amount of benefit you can get, or the “waiting period” before benefits kick in, or simply the amount of extra premium you have to pay to cover the additional risk. Some insurance companies simply raise the price for everyone, to cover the extra risk for those really ill, in order to mitigate their overall risk and obligations. An experienced independent life insurance broker can help you find the best coverage for you, at the lowest premium available.