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Pre-existing Conditions

Guide to Life insurance with Pre-existing Conditions

I have seen a majority of consumers shopping for insurance with pre-existing conditions call several different insurance companies and hope for the best rate. Using our firms expertise (Edward Financial Group) let us help you obtain the best rate class and the best product.

We look at not only your condition but what prescription drugs you are taking. This gives us a window into what insurance company to place you with and what rating that you will be eligible for. A rating can be the difference in  savings of thousand of dollars or tens of thousands of dollars over the life of the policy.

Pre-existing Conditions 

A List of some common Pre-existing conditions

  • High Blood Pressure
  • Diabetes
  • Heart Disease
  • Cancer
  • Stroke
  • Weight Issues
  • Depression
  • A comprehensive list of other Pre-existing conditions

The Keys to Avoid Overpaying

Our firm is an independent insurance agency that is dedicated to finding the best product for our clients unique situation. This is crucial when looking for coverage as some Insurance companies take on certain niches that will enable you to get coverage at a better rate. Please be completely honest when applying for coverage. With the information that you provide we will be able to give you an accurate assessment of your insurance options. Given incomplete or incorrect information you can cause a less than desirable rating or even a decline. Once a plan has been declined it makes it considerably tougher to get Life Insurance with the desired outcome.

Proven Process

  • Step 1

    Field Underwriting- Our Firms agents are trained to switch hats and asked questions as if they were an insurance company underwriter. This will ensure that your application is considered in the right context.

  •  Step 2

    Trial application/ Risk assessments/ Quick quotes - with all the information in your file we submit the application to the insurance company and they give us a price. If the company doesn't want to take the risk this information is not presented in the clients record as a decline. This gives enormous flexibility going forward when choosing a new company.

  • Step 3

    Ratings check - We double check that the rating is what other companies would give the same rate for the situation if the offer is not similar than we speak directly with the underwriter and attempt to get the better offer. If we are unable to secure the better offer will continue to the next step

  • Step 4

    Final Step we will simply take your current Lab work and have it transferred to the new insurance company No additional lab work.

Over View

Following this proven process has allowed many clients the peace of mind of knowing that we are working on  their behalf. You will get the most competitive price even if you have a health condition and our process may take a consumer whom potentially couldn't afford coverage to being able to place it comfortably within their budget.

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