Finding life insurance can feel overwhelming if you have health concerns, a risky occupation, or adventurous hobbies. High-risk individuals can face unique challenges when seeking life insurance coverage. At Michelle Allen Agency Inc, our team is committed to helping you explore your options and secure protection for your loved ones, no matter your circumstances.
What Makes Someone “High-Risk” for Life Insurance?
Life insurance companies consider several factors when determining risk. You may be classified as high-risk if you: 
- Have pre-existing medical conditions such as diabetes, heart disease, or cancer
- Work in hazardous jobs like construction, trucking, or law enforcement
- Participate in high-risk hobbies such as skydiving, scuba diving, or racing
- Use tobacco or have a history of substance use
These factors can make it more difficult to qualify for traditional life insurance or may result in higher premiums. However, there are still options available.
Life Insurance Options for High-Risk Individuals
Even if you’ve been declined or quoted high rates before, you may still have choices, including:
- Guaranteed issue life insurance: No medical exam is required, and acceptance is typically guaranteed, though coverage amounts may be limited.
- Simplified issue life insurance: This requires answering a few health questions but no medical exam, making it more accessible for those with certain conditions.
- Group life insurance: Some employers or associations offer group policies that may not require individual health assessments.
- Specialized high-risk policies: Some insurers focus on covering individuals with specific health issues or risky lifestyles.
How Our Team Can Help
At Michelle Allen Agency Inc, we have experience working with Georgia residents who face unique challenges in securing life insurance. We take the time to understand your situation and match you with carriers that are more flexible with high-risk applicants. Our goal is to help you find a policy that fits your needs and budget, providing peace of mind for you and your family.
Contact us today to discuss your situation and let our team guide you toward the right coverage.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.