Term Life Insurance and Impaired Risk Medical Conditions

Term Life Insurance by Top Rated Companies More term companies equals the best opportunity to obtain the lowest term quote! Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important? Personalized Tele-Application for All Companies, Right Over the Phone!  For the serious shopper who would like a seasoned professional to assist them- "how term life insurance works", "return of premium term life insurance", "no exam term life insurance" and "what is term life insurance" will be explained on this page.

Impaired Risk Medical Conditions

Or A Participant In A Hazardous Hobby

Impaired Risk quotes for term life insurance, instant term life insurance, return of premium term life insurance

Do you Have A Medical Condition For An Impaired Risk or Participate In A Hazardous Hobby?
Declined from other Life Insurance Companies?

Click on the topic below to complete an impairment questionnaire. We will respond within 72 hours.

Have questions... Send an e-mail to the Doc

Tobacco Usage Summary

Cigars
Negative Specimen (usually 4 days since last cigar)
Preferred Best Non-Tobacco with Genworth if less than 12 cigars per year.
Preferred Non-Tobacco with North American if not more than 12 cigars per year.
Preferred Best Non-Tobacco with Banner if no more than 1 cigar per month.

Pipes, Chew or Dip
Tobacco rates will apply

Cigarettes
Tobacco rates will apply.

Nicorette
May be considered up to Preferred Non-Tobacco on a case-by-case basis.

 Related:
    Application underwriting your life insurance policies

       ▪ Completing The Application
       ▪ Completing The Medical Examination
       ▪ Medical Underwriting
       ▪ Risk Classifications
       ▪ Quoting A Premium
       ▪ Sample General Guidelines

   Determine your underwriting classification

     Preferred Plus  l  Preferred  l  Regular/Standard

   Decision chart could help you decide the type of life insurance to purchase

      ▪ Making the decision to buy Term or Permanent Life Insurance

Get term life quotes from TermLifeAmerica.com-
Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for: Alabama - AL,  Arkansas - AR,  California - CA,  Colorado - CO,  Connecticut - CT,  Delaware - DE,  District of Columbia - DC,  Florida - FL, Georgia - GA,  Idaho - ID,  Illinois - IL,  Indiana - IN,  Iowa - IA,  Kansas - KS,  Kentucky - KY,  Term quotes for: Louisiana - LA,  Maine - ME,  Maryland - MD,  Massachusetts - MA,  Michigan - MI,  Mississippi - MS,  Missouri - MO,  Montana - MT,  Nebraska - NE,  New Mexico - NM, New Jersey - NJ,  New York - NY,  North Carolina - NC, Term quotes for: North Dakota - ND,  Ohio - OH,  Oklahoma - OK,  Pennsylvania - PA, Rhode Island - RI,  South Carolina - SC,  South Dakota - SD,  Tennessee - TN,  Term quotes for: Texas - TX,  Utah - UT,  Vermont - VT,  Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.


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