2018– Hacks For Life Insurance For People With Health Problems!

if you've Got Health Problems,we've got some awesome hacks for life insurance with health problems

Sometimes, health issues creep up on us no matter what we do to prevent them. Life plays cruel jokes on the people who eat right, exercise, and live a clean life — none of which can override fate and our genetic code. Sometimes the healthiest people end up with the most problems while the 85-year-old next door sits on her porch smoking, drinking, and laughing, all while using oxygen and wearing diapers for incontinence!


If you’re one of those people who avoids excess, eats right, and lives healthy, only to develop health problems, finding life insurance can be a struggle. Working with a seasoned agent/broker will make it easier to find a policy to suit your financial goals and give you and your family peace of mind.

Are You Serious? my term insurance application was declined for a Hangnail!


A blister on your big toe is not the kind of injury or health issue a life insurance company is concerned about rating. Instead, most companies have a long list of pre-existing and chronic conditions that raise red flags…and insurance rates. Many everyday health issues do not affect how you live your life, but they may affect how much you pay for insurance.


Insurance underwriters will sift through your health history so they can screen for the major risks like heart and kidney disease, certain kinds of cancer, and high-blood pressure. However, people live with a variety of other more common health problems, injuries, and illnesses that may result in higher premiums:

  • Obesity
  • Lung disease
  • Diabetes
  • Hepatitis C
  • Broken bones
  • Surgeries

It’s important for term insurance buyers to know their medical history when shopping for life insurance. Providing a comprehensive health picture may be the difference between an affordable rate and a denial when you have health problems.For example, all of the conditions listed above could have been caused by sleep apnea.  Life insurance companies look for co-morbidity factors and want to see how well you manage your overall health, not just one or two problems.  

here are some samples of co-morbidity factors that might scare a life insurance company

life insurance co-morbidity factors

what can you do to make your life insurance application more attractive to the life insurance carrier?


Provide mitigating facts — like regular treatments, working out, dieting, or even the intent of healthy New Year’s resolutions — that will help control your medical issue, AND it can make a difference in the outcome of your application.

Be prepared to clarify any injuries or past health problems. For instance, if you’ve had a surgery to correct an issue or on-going problem, be sure to provide how long ago, results, and improvements. Involve your doctor if necessary to ensure that the insurer has a complete understanding of your unique health situation.

Healthy Ups and Downs

Life tosses us a curveball when we least expect it. Your health is no different and it can change from one day to the next — for better and, unfortunately, worse. When faced with a new health problem, or saying goodbye to an old one, our health  changes the way your life insurance company sees you.

People with health problems may not always get better, but their conditions can improve. When they receive treatment and have a plan to overcome their ailments, it makes a difference in their quality of life and ability to avoid complications.

If you’ve applied for a life insurance policy and have a questionable health history, demonstrate to the company that your problem has stabilized and that you’re healthy. Show them what steps you’re taking to control the problem and that you have a wellness plan.  Your life insurance broker will also write a strong COVER LETTER to paint as clear a picture to the underwriter as possible.  That’s her job and if she’s not willing or able to provide this important service, FIND A NEW BROKER!

Your health is your greatest asset. Protect it and your family’s financial future and comfort by being a knowledgeable consumer. Buying life insurance when you are young and healthy is the best option, but who does that anymore?  When that’s no longer possible, know that an experienced agent can find alternatives that meet your individual circumstances.

i've got health problems for life insurance big deal!
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If you need an insurance professional who knows the industry, listens to your needs and works hard for you, Chris is your man.

If you need an insurance professional who knows the industry, listens to your needs and works hard for you, Chris is your man.

We have trusted Chris with all our insurance needs for several years. He always listens and understands our needs completely and then works hard to design a policy that best fits our needs. He is very personable and easy to work with.

Sanjeev Dharap Architect, Entrepreneur, Technical Advisor
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Chris brings expert advice and honesty to every project we work on. He gets things done in a timely manner and does an excellent job following up.

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Didn't Try To Upsell Me!

I found Chris when looking for life insurance brokers. I knew exactly what I wanted and told Chris and he was able to deliver without trying to upsell me on something else. It was very straightforward and exactly how I hoped it would be. I would definitely recommend him for anyone in a similar scenario.

Nathan Netravali Associate Director of Clinical Applications at Think Surgical
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CB Acker Associates Is Extremely Responsive

Chris provided (and continues to provide) excellent service and support for our insurance needs. He is very responsive, knowledgeable and provides specific and efficient solutions to our insurance needs. I highly recommend Chris!

Antonio Altamirano Founder, CEO at Tangelo
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Chris Acker, CLU, ChFC
 

Chris is an independent life insurance broker located in Palo Alto, Ca. He started helping families and businesses build strong financial safety net in 1985. He earned a BA in history from Williams College in 1985. He Earned the CLU designation in 1989 and the ChFC designation in 1991. He is a past board member of the local chapter of the Society of Financial Services Professional. He has been a member of the National Association of Insurance and Financial Advisors since 1985. Chris resides in Palo Alto with his wife, Carol and daughters Rachael and Samantha. In his spare time he is a regular platelet donor for the Stanford Blood Center and actively volunteers for various organizations and alumni groups.

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