California Life Insurance for people considered to be a "High Risk"
A large segment of our society would like to buy Life Insurance but due to poor health and/or advanced age, they are avoided like the plague by the insurance industry. Medical conditions such as diabetes, heart disease, heart attacks and cancer can be very hard to insure.
Pressing needs such as Federal Estate Taxes, Business Continuation Agreements, Loan Repayments, Income for Surviving Loved Ones, Burial Costs, the Payment of Last Income Taxes and College Tuition Costs for Surviving Children are just some of the reasons people in California desperately need Life Insurance.
These folks have become the Forgotten People because most insurance companies don’t want to deal with the high risk (and headache) of insuring them. Don’t get discouraged because IT CAN BE DONE! All you need is the right life insurance company and the right life insurance broker who knows where to look and is willing to take the time to do the research.
Insurance brokers who specialize in high risk life insurance know how to communicate your medical issues properly and “sell” you to the insurance company. These brokers are known as “High Risk Life Insurance Brokers”. High risk life insurance brokers do not charge you for their services. They are paid just like any other life insurance agent who is paid at end of the application process in the form of referral fee. This fee never comes out of your pocket and is only paid when you accept your policy.
Much like an attorney, a good high risk life insurance broker will evaluate your case and ask you a lot of questions to see if there’s any chance of obtaining life insurance before doing the research. After all, it will take a lot of time and resources to thoroughly research your options. If you think your financial planner or auto/home agent can do this, forget it. It takes years of experience and the right outlets to make it happen. Think twice before having an inexperienced agent work on your high risk case. They sometimes cause more harm than good.
Bradley Associates Insurance has been providing high risk life insurance to the hard-to-insure for over 50 years. Our family owned life insurance firm is spread over two generations of specialists that are trained to serve you in this difficult process. We will discuss your case in detail with you and will take the time to understand your goals, concerns and budget. Before speaking with us, we always recommend that you write out your medical history with diagnoses, treatment dates and medication details. Providing us with this necessary information will save time and help us find the right fit for you. Rest assured, we never share your name with any insurance company and of course we never share your medical information with anyone else other that our insurance company contacts.
We’re equipped to provide high risk life insurance for small and large amounts. Unfortunately, there are a few individuals that cannot be insured or that the cost of doing so is not an option. A majority of the time we can provide a solution. Unknown to many, there are other products that can be used that require little or no medical information.
Let Bradley Associates Insurance evaluate your case even if you think it can’t be done. We will be compassionate, direct and responsive to your high risk life insurance needs. Call us today for a free, no obligation review. WE CAN DO THIS TOGETHER!Call us today at 800-500-1916 for a free life insurance quote and needs assessment.
Or request a quote by e-mail.