“I was pleased to find a Life Insurance Company that would evaluate my individual health to establish premium rates and an insurable status. I have Type 1 diabetes but they looked… read moreRodney B., Texas
Since this page was written, we have been adding new companies and products to our portfolio. While we still use our “sweet 16 life insurance companies” below, I am adding to the TOP of this page some new products that have been making our clients VERY HAPPY.
Gerber offers a guaranteed issue policy for persons aged 50-80 in nearly every state, including NY. Guaranteed issue means you cannot be declined for health reasons. They do not even ask about weight or health issues.
When paying by auto draft from a checking account, Gerber will give you a discount that amounts to the equivalent of paying one less monthly premium per year. This makes Gerber a highly competitive policy for which everyone in that age range can qualify.
With so many of Outlook Life’s patrons having health issues, we are very excited to offer Gerber for those who need an option like this.
2. SAFE HARBOR TERM
Safe Harbor Term is an incredibly low priced policy with perks galore. There is no blood test required for faces amounts under $1,000,001 and NO EXAM AT ALL for face amounts under $400,001. Even 75 years old’s can qualify for 10 year term, and persons up to age 55 can get 30 year term coverage.
It is difficult to find very small term policies, but Safe Harbor Express can be obtained in amounts as low as $25,000. On top of everything else, Safe Harbor Term offers “living benefits” enabling you to use up to 95% of the face amount while you are still alive, in some situations.
For people who want to don’t want to take an exam but also don’t want to pay outrageous prices, Safe Harbor Term is a great choice.
3. SIMPLIFIED ISSUE WHOLE LIFE
We now offer several simplified issue whole life policies that are excellent for final expense needs. They do not require any exam. If you would pass away shortly after purchasing one of these policies, your beneficiary would receive the FULL death benefit, as these policies are not graded and do not have a waiting period.
Another big plus to these policies is that their rates are guaranteed to never go up for the rest of your life. They also have cash value, so that if you would need to quit paying the premium some years down the road, you should have a small reduced paid up policy to keep, without losing everything you paid in.
As with all the policies above, people with many health conditions can qualify. If you are looking for final expense coverage, you have come to the right place.
Below are the original “Sweet 16 Insurance Companies” offered by Outlook Life (in alphabetical order):
“In life, the unexpected is to be expected”, is one of American General’s mottos. This highly rated company …(read more)
North American Company of Life and Health (NACOLAH) has been providing quality life insurance products for financial planning for many years. …(read more)
The Savings Bank Life Insurance Company of Massachusetts (SBLI) is committed to providing value, quality, and stability you can count on. (read more)
We at Outlook Life have developed relationships with hundreds of insurance carriers over the past 15 years. We are eager to see if we can help you with an affordable life insurance quote. If you will call us at 866-866-0242, one of our professional counselors will make sure you get your best price with the type of policy you prefer.