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High-Risk Life Insurance
Life is dangerous, though some people are at much higher risk of death than others. If you are someone who works in a dangerous profession or has a dangerous lifestyle, a serious health condition, or you’ve lived a long time, you may be considered high risk by insurance companies. If you fit into these categories, you need to know what high risk life insurance is.
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What Is High Risk Life Insurance?
High risk life insurance is life insurance coverage that is designed for people who are considered to be at higher risk to insure than other people. Risk category is defined by the professions, hobbies, habits, and health condition of the applicant. Here is more information about each category:
High Risk Diseases
If you have been diagnosed with a serious or life threatening disease, you are considered high risk. Some diseases of note include cancer, pancreatic disease, epilepsy, diabetes, and Alzheimer’s.
High Risk Habits
If you engage in high risk lifestyle habits, like smoking, you may be considered high risk to insure. Use of other tobacco products, like cigars or chewing tobacco may place you in the high risk category too.
High Risk Profession
There are many occupations that put you in the high risk category. If you work somewhere that death and injury occur regularly, you are considered high risk. Underwater welders, underground miners, and firefights are all examples of people who work high risk jobs.
High Risk Hobbies
If you work a safe job during the week but engage in unsafe hobbies during your free time, you are in the high risk category. Some high risk hobbies include skydiving, scuba diving, and racing motorcycles.
Finding High Risk Life Insurance
There are many insurance companies that offer high risk life insurance plans. If you are someone that cannot qualify for other types of insurance due to risk, we can help you find a high risk life insurance plan. To learn more and compare plans, contact Insured For Life today.
