If you take medications, have a current health condition or had one in the past, you probably already know that life and health insurance companies can charge you extra for coverage or turn you down, offering no coverage at all.
It just doesn't seem fair. Many pre-existing conditions are conditions you've had since birth or couldn't be prevented and companies still hold it against you even if you get better. So why should you be punished with outrageous premiums or rejections? You shouldn't.
To find the best rate without an agent, people who have pre-existing conditions have to fill out applications - not just simple quotes - for tons of insurance carriers. OR you could find an agent who works with multiple companies, who will already know which company will give you the best rate given your condition.
At Family Protection Center, we do the shopping for you. We work with many top rated companies, so our agents know which life insurance company and policy will give you the best rates. We may suggest a Foresters policy if you have diabetes, Phoenix Life for COPD or Mutual of Omaha for epilepsy. If you have a more serious condition, like cancer or if you've had a heart attack within the past few years, you can get a Guaranteed Issue Whole Life policy with Kemper or National Guardian Life.
You don't have to waste your time shopping around or talking to agents who only work with one insurance company. Just to come to us and we'll help you find the best coverage at an affordable rate. If you're interested in learning more about our life insurance options, you can fill out the form on this page or check out our high risk coverage page to learn more. (For general insurance information, select term life as the product.)
Note: Not all benefits are available in every state. Please ask your insurance specialist for more details.
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