Do you have a pre-existing condition? Impaired Risk Life Insurance could be the answer you’re looking for!

29 Aug Do you have a pre-existing condition? Impaired Risk Life Insurance could be the answer you’re looking for!

Life threatening illnesses, unexpected car accidents or job hazards could potentially be used by an insurance company to deny coverage. In a lot of cases, agencies are looking to see if you have had cancer or drive a motorcycle, then allowing these factors to impact their decision on coverage. It seems unfair for our insurance to rely on circumstances out of our control, like an unexpected diagnosis, or our ability to choose a mode of transportation. At the Paul Long Agency, one of our biggest areas of expertise is Impaired Risk Life Insurance.

If you been denied coverage because of a diagnosis or maybe you have a pesky blot on your driving record, Impaired Risk Life Insurance may be the right choice for you! Our agency recently wrote a blog helping explain the ins and outs of impaired risk insurance and we have a lot of valuable insight on our Impaired Risk Life Insurance page too. Feel free to browse around!

In most cases, there are four main hindrances to being insured. Impaired Risk Life Insurance or High Risk Life Insurance can overcome the boundaries to coverage. The four main areas are:

  • Pre-existing Conditions
  • Driving Record
  • Dangerous Occupation
  • Risky Activities or Hobbies


Over the next few months, we will focus our efforts on providing you with the knowledge you need to make the right choice for your insurance plan. Today, we will shine the spotlight on pre-existing conditions and how Impaired Risk Insurance can help those who are uninsured or have a substandard insurance policy.

What is a pre-existing condition?


Terms like, “pre-existing condition” or “experimental procedure” can sometimes place unnecessary fear or anxiety on the loved ones of those who are fighting for their lives. Here are some quick definitions to keep in mind:

  • Pre-existing condition: A pre-existing condition is any condition for which the patient already received medical advice or treatment prior to enrollment in a new medical insurance plan.
  • Prudent Person: a pre-existing condition is anything for which symptoms were present and a prudent person would have sought treatment.


With these definitions in mind, it can be difficult to know if your medical condition falls under the umbrella of ‘pre-existing’. For extra help, CBS News put together a list of conditions considered to be “pre-existing” if you are not covered prior to your diagnosis. However, if you’re still not sure if you’re covered or not, call The Paul Long Agency and one of our agents will be happy to talk about your options.

How does a pre-existing condition impact my ability to receive an insurance plan?


If you have a pre-existing condition, it can be difficult to obtain an affordable insurance plan. Many companies and agencies consider potential clients battling health issues as ‘high risk’. This could impact your ability to receive coverage or result in a substandard insurance policy.

At The Paul Long Agency, our Impaired Risk Life Insurance specialists work with you to understand your medical condition. Once know exactly what you need, we research how to achieve the best plan for you. From there, we use our agency’s nationwide network to get quotes from multiple insurers and select the best insurance plan for you lifestyle.

We understand the toil a lifelong illness or health battle can have on you, your family and friends. At The Paul Long Agency, our goal is to supply you with the right Impaired Risk Life Insurance plan to give you comfort in knowing you’re covered and secure. 

For more information, check-out our Impaired Risk Life Insurance page or give us a call for your FREE quote today!


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