High-Risk Term Life Insurance at Gold Coast
We take people who have been highly rated or even declined and find them affordable rates. In many cases, we perform a life insurance pre-qualification screening process which helps underwriters determine the classification of risk the insurance company would be taking on.
One area where we stand out is depending on your classification of “risk” our life insurance agents write cover letters to help explain your situation and other issues that may raise red flags to underwriters.
Medical records that are written by doctors don’t always tell the full story and underwriters review these records to determine where you may fall in terms of an insurance rating. The better your insurance rating, the lower your premium.