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Obtaining good life insurance can often be difficult, and the ordeal is compounded if you have health issues. But at Term.com, we know everyone deserves to have good insurance – everyone. That is why we specialize in tough, hard-to-insure cases and it is our priority to make your life insurance application a smooth, easy and successful one, regardless of your health status. With decades of experience and a track history to be proud of, you can feel confident in giving Term.com an opportunity to get you the lowest rate on the best policy available.

 As aforementioned, Term.com specializes in hard-to-cover cases – because of our knowledge and clout in the industry, we're able to find coverage for countless cases while other companies frankly cannot. At Term.com, it's a matter of integrity and service – it's our cornerstone and that is why we work so hard so that you don't have to, even when coverage seems unlikely. In fact, we have gotten coverage for nearly every one of the conditions listed below.

 We know that almost anyone is insurable and life insurance is perhaps the best investment you can ever make, even if it is at a less than premium rate. Allow us a chance to prove how hard we are willing to work to get you the very best rates possible.

 Please take the time to read through this material, and if you feel that there is a chance we may be able to find you coverage based upon the information provided, click here and you will be directed to personal agent assistance.

Pulmonary and Respiratory Diseases
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COPD : May be rated from 2 to 8 tables depending on severity.
Emphysema : May be rated from 2 to 8 tables depending on severity.
Chronic Bronchitis : May be rated from 2 to 8 tables depending on severity.
Coronary artery disease : May be rated from 4 to 8 tables depending on severity.
Mild vascular disease : May be rated from 2 to 4 tables depending on severity.
Asthma : Usually eligible for standard issue coverage.

 

Cerebral Diseases and Disorders
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Alzheimer's :  Generally will be declined.
Senility : Some types are insurable.
Depression : May be issued Standard.
Mental Illness : May be issued Standard.
Strokes : Can be standard to 4 tables if no other cardio problems and a single incident occurring more than one year ago.
Epilepsy : Standard issue if under control, 4 to 8 tables if occasional.
Other seizure disorders :  Standard issue if under control, 4 to 8 tables if occasional.

 

Digestive and Urinary System Diseases
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Kidney stones : Eligible for standard issue coverage.
Liver and Kidney diseases : Generally rated 4 to 8 tables.
Type I Diabetes : Usually rated 2 to 8 tables depending upon control and complications.
Type II Diabetes : Can be eligible for standard issue coverage.
Ulcerative Colitis : Varies with severity - usually eligible for guarantee issue coverage.
Ulcerative Ileitis : Varies with severity - usually eligible for guarantee issue coverage.
Gastro/Peptic ulcers : Can be eligible for standard issue coverage.
Nuerogenic bladder : Eligible for standard issue coverage if fully recovered..
Melanomas : Eligible for standard issue coverage.
Other Cancers : Varies depending on type and severity.
Multiple Sclerosis : Usually rated 4 to 8 tables in mild form.
Alcoholism : Standard issue if clean for five years, other cases vary.
Drug Addiction : Standard issue if clean for five years, other cases vary.
Rheumatoid Arthritis : Usually rated standard in mild form, 4 to 8 tables in severe form.

 

With just a modicum of information from you, our licensed term life insurance professionals can go to work to find you the lowest rate possible from over 17 of the highest rated term life insurance carriers in the business. It's ok if you don't know what type of insurance you need or the size of the death benefit - that's what we're here for!
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