Impaired Risk Life Insurance 

You can get life insurance even if you have current or past medical conditions. Get a FREE Impaired Risk Life Insurance quote TODAY!

What is Impaired Risk Life Insurance? (aka high risk life insurance, impaired risk insurance)


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, but it doesn’t have to stay the same.

Impaired Risk Life Insurance is coverage for policyholders with pre-existing conditions or individuals who are battling health issues. The premium charged for Impaired Risk LIfe may be higher than the cost of a standard policy. However, it is not unaffordable and at The Paul Long Agency, we work with you to find a policy you can afford. We understand the impaired risk life insurance marketplace and how to get you the life insurance you need at the best possible rates based on your individual health.  

If I have a pre-existing condition do I need Impaired Risk Life Insurance?


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.

What if I’m denied health insurance?

Have you been table-rated or declined for life insurance? The Paul Long Agency can help. If you have a pre-existing condition, we’ll get you to the best impaired risk life insurance companies available.

We are in it with you for the LONG haul.

 Let us handle all of the details.

How can I afford Impaired Risk Life Insurance?

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 you get the most favorable life insurance underwriting decision possible.

How do I get approved for Impaired Risk Life Insurance?

At The Paul Long Agency, we understand the fear life-threatening illnesses can have on you and your family. We take the time to learn about your health, the steps you are taking to control and improve on your health. From there, we 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.

Why should I choose The Paul Long Agency?

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!