High Risk Life Insurance

LSM Insurance specializes in helping people who are deemed by insurance companies to be high-risk to get life insurance at affordable rates. Keep in mind that many variables can contribute to what an insurance company views as high-risk.

1. Occupation – Certain pilots, high-risk entertainers, and extreme sports athletes can be rated (have an extra premium attached to their policy) according to the risk associated to their occupation.

2. Recreational Activities – Scuba diving, bungee jumping, sky diving, and other diversions can all contribute to the risk at which an applicant is assessed by an insurance company.

3. Past or Current Health Issues – Heart disease, cancer, stroke, or even diabetes and uncontrolled blood pressure can increase your risk-level assessed by the insurance company.

4. Family History – Certain family histories can create a red flag among insurers.

LSM Insurance works with over 15 different insurance carriers — many of whom offer coverage without medical tests — to find you the best possible value. For more details on how we can help insure the hard to insure, please contact us at 1-866-899-4849 or visit our Non-medical Life Insurance Quote Page.

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  • LSM Insurance
    April 14, 2013 at 5:01 pm

    Hi Yolanda, Unfortunately traditional life insurance is generally not available for someone with HIV. Most Simplified Issue Plans (no medical tests and a limited number of health questions) also have an HIV/AIDS related question.

    Guaranteed Issue Life Insurance (no medical tests and no health questions) would be available.

    The Edge offers up to $25,000. Bingham Grouop Services also offers a Guaranteed Issue Mortgage Insurance Plan. BMO, RBC and Manulife sell Guaranteed Issue Plans direct.

    Most Guaranteed Issue plans offer limited face amounts $25,000 or less and the death benefit is limited for Non Accidental Death to a return of premium plus interest in the first 2 years.

    The Bingham Group Services plan has a lifetime exclusion on any per-existing conditions treated in the last year.

  • Yolanda G
    April 14, 2013 at 1:59 pm

    I was diagnosed with HIV in 2007. I’m doing pretty well and my condition is stable. Can I still get any life insurance.

  • LSM Insurance
    November 22, 2012 at 11:24 am

    Thanks for the note. We are happy to help and will be in touch by email very soon. Regards,

  • Lisa
    November 22, 2012 at 1:39 am

    I would like more information regarding high risk life insurance please. My husband has been deemed high risk due to a TMI scare, but has since been cleared with a clean bill of health.
    Thank you