Your Health Problems are Insurable.  Let us show you how The Paul Long Agency can help you…

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Impaired risk life insurance is for people who currently have health issues or may have had health problems in the past and need life insurance.  You may have already experienced frustration trying to get life insurance….  It doesn’t have to be that way.

The Paul Long Agency has the impaired risk life insurance experts! We help people with health issues get life insurance.


Here’s Why We are the Best at Impaired Risk Life Insurance:

Knowledge – We understand health problems, know the questions to ask you, and know which life insurance companies to work with based on your health issues.

Experience & Expertise – We’ve been doing this for a long time. We have helped thousands of people with health problems get life insurance!

Independence – We work for you, not the life insurance companies! We match your health issues to the right life insurance companies based on your information and needs.
Health problems need to be handled differently than life insurance underwriting for people with no health problems.  We can help you with your term life insurance, universal life insurance, index universal life insurance or whole life insurance needs.  If you have asthma, diabetes, heart disease, prostate cancer, or any other health issue, we know the impaired risk life insurance companies, understand the impaired risk life insurance companies underwriting and know how to get you to the right life insurance company based on your specific health history.  We also have access to many programs that may help you save money.


There is NEVER any obligation or pressure for you to use our impaired risk life insurance service.  We’ll give you the information you need in order to make an informed decision about your impaired risk life insurance.  Other terms used to describe impaired risk life insurance are substandard impaired risk life insurance, high risk life insurance, impaired risk specialists, etc.  If you have a health issue and have tried to obtain life insurance, you may already know how difficult and frustrating the impaired risk underwriting process can be!


We understand the impaired risk life insurance marketplace better than anyone and know how to get you the life insurance you need at the best possible rates based on your individual health.  We know the impaired risk life insurance companies, and understand impaired risk underwriting.  Have you been table rated or declined for life insurance? We can help. If you have a pre-existing condition, we’ll get you to the best impaired risk life insurance companies available.  There are some health issue where we won’t need to get you to an impaired risk life insurance company, and you may instead have access to many preferred risk life insurance companies.


Why We are the Best with Impaired Risk Life Insurance:

Every life insurance company has its own set of underwriting guidelines. We understand impaired risk life insurance. We maintain a database of life insurance companies underwriting guidelines. Some of these life insurance companies specialize in impaired risk life insurance underwriting..BUT here’s the catch:

An impaired risk life insurance company may be competitive with one type of health issue, but less aggressive with other health issues. We’ll tell you which impaired risk life insurance company is best for you based on your specific health issues.

For example – Some of our impaired risk life insurance companies are impaired risk specialists when it comes to life insurance underwriting for heart murmurs, overweight people, crohn’s disease, depression, diabetes, Epilepsy, mini stroke, prostate cancer, but may be less aggressive when underwriting individuals who have other forms of heart disease. If you have had heart bypass surgery, we know which life insurance companies to go to.


We study the health impairments…Why do we do this?

With impaired risk life insurance, a life insurance underwriter is going to look at your medical history and assign a rate class and possibly a table rating or a flat extra to your policy, costing you more money….Flat extras are typically used for some cancer cases such as thyroid cancer or other cancers.  We know what the life insurance underwriters are looking for, and how to give them your information so that you get the most favorable life insurance underwriting decision possible.

We take the time to learn about your health, the steps you are taking to control and improve on your health. We then use this information to work with impaired risk life insurance underwriters at the most competitive impaired risk life insurance companies available in order to obtain the best life insurance rate that will be available to you based on your health.

We spend a lot of time working with individuals after they have had their time wasted by some misleading or uninformed life insurance agent. They were quoted a life insurance rate that they never should have been quoted due to a health issue.  They wait through 8 weeks of life insurance underwriting to find out that they are not getting the life insurance rate they were quoted….Has this happened to you???

The life insurance company may offer you life insurance at a higher rate, but is it still the best deal??? Many times, no. It may be in your best interest to move to a different life insurance company. Many life insurance agents may not tell you this because you will have to start over with the life insurance underwriting and they want to get paid now. We’ll get you to the right life insurance company the first time.

Let us help you get the best life insurance rates available based on your individual health….If we can get you a preferred life insurance rate, we will…if it is unrealistic we’ll tell you so that you don’t waste your time.

Let us help you get through the life insurance underwriting process with the best life insurance company for you.


There is never any pressure or obligation with our life insurance service. We’ll give you the information you need to make an informed decision about your life insurance.

Get started today. Please take a moment to complete our Life Insurance Quote Request or give us a call now.

We are in it with you for the LONG haul.

 Let us handle all of the details.