How can you get me life insurance when others can’t or have declined/denied me?
High risk life insurance is our specialty and our passion. Everyone deserves to be insured.
We work with over 50 life insurance companies and get the best and most affordable policy for you regardless of your health. No physical or medical exam is required.
We need some basic information about you to get started. You can fill out our online form to request a quote or call us at 800-611-7418. We will contact you by phone or email to determine the insurance policy that’s best for you. In only rare cases will you need to be seen in person by one of our licensed insurance agents.
Can I get life insurance with a pre-existing medical condition?
Yes. We can get you a life insurance policy regardless of health. You can have cancer, diabetes, HIV, a heart condition, or you smoke or are overweight, and we can get you a policy. The exception is a medical condition that is expected to result in death within 2 years.
Can you get me a policy if I don’t have health problems?
Absolutely. We deal with over 50 life insurance companies across the USA. We’ll get you the most suitable and affordable policy.
Can I get life insurance if I have cancer, MS, diabetes, am HIV positive or have any high risk health issue?
Yes. However, an insurance policy can not be secured in cases where a medical condition is expected to result in death within 24 months.
Can I get life insurance if I smoke, have COPD, emphysema or am on oxygen?
Yes. But we can’t get you one in cases of a health condition expected to result in death in 2 years.
Can you get me life insurance if I have a fatal medical condition?
Maybe. It depends. We are unable to get life insurance for medical conditions that are expected to result in death within 24 months. Otherwise we should be able to get you life insurance.
For what ages is life insurance coverage available?
In general, we can get life insurance for anyone between 18 and 80 years old. Depending on what state you live in, we can get life insurance for those as young as newborns and up to age 95.
Can you get my senior or elderly parent life insurance to cover funeral and final expenses?
Often yes. For us to make a determination you need to contact us or request a quote online.
Can I get life insurance if I am a senior citizen or over 50, 60, 70 or 80?
In general, we can get life insurance for those up to 80 years old. Depending on what state you live in, and your health, we can get life insurance for those up to age 95.
Can you get my newborn, baby or child life insurance?
Depending on your state of residence, we can get life insurance for your baby and children.
How long does it take to get life insurance?
Usually about 2 to 3 weeks, sometimes faster, sometimes a little slower.
What life insurance amounts are available?
There is no limit, but for people with significant health issues, generally speaking under $100,000 and starting at $2,000.
What are some examples of insurance policies I could get and their cost?
| Gender | Age | Condition | Coverage | Type | Cost/Month |
|---|---|---|---|---|---|
| Female | 34 | HIV+ | $15K | Term | $34.95 |
| Female | 56 | Severe Asthma Hospitalized 7 Times in the Last Year | $15K | Term | $34.95 |
| Female | 55 | COPD & Oxygen | $20K | Whole | $78.95 |
| Female | 59 | Currently Treated for Cancer | $20K | Whole | $87.80 |
| Female | 88 | Good Health | $2,500 | Whole | $21.59 |
| Female | 56 | Good Health | $250K | Whole | $220.56 |
| Male | 34 | Currently Treated for Cancer Working at least 20 Hours a Week | $100K | Term | $68.75 |
| Male | 46 | Multiple Sclerosis | $50K | Whole | $117.48 |
| Male | 42 | HIV+ | $50K | Whole | $248.27 |
Do I need to have a checking or savings account?
For most life insurance companies you do, although a small number do monthly billing and accept credit cards.
Why should I do business with Modell Brokerage Group?
Modell Brokerage and GetLifeInsuranceNow have the most expertise and the largest number of life insurance companies in the high risk specialty area. If you can find a better alternative, we support that. We want you to get the best life insurance policy for you and your family. Learn more about us.