Health Risk Life Insurance

There is a lot of misunderstanding about how health risk plays into life insurance underwriting. A lot of this confusion comes from the fact that you may be told you’re doing great by your doctor, but it isn’t your doctor’s job to quantify mortality risk, so doing great may translate into something other than the best rate when underwritten by a health risk life insurance company. The good news is that times are changing and underwriters are going less by the book and more by how the individual is doing as opposed to the average of all individuals with that health problem. To make sure your health problem is given the best possible chance, contact Risk Life and let us shop it for you.