High Risk Insurance

Insurance premiums are based on a person's current and past health history, nicotine usage, age and lifestyle. Due to risks in one or more of these categories sometimes it can be hard to get accepted by an insurance company or the premiums may just be too high to afford.

This is why Withers Crest has contracts with over 50 different companies. Our insurance specialists know which questions to ask in order to match you with the company that is most likely to give you the best policy for your situation. Whether you are applying for life, disability, or long term care insurance, each company has their own guidelines they use when underwriting a policy.

So we have designed specific questionnaires for each category risk that allow us to prequalify you with a carrier before submitting the application. Knowing which companies you can qualify for non-tobacco ratings as a tobacco chewer could cut your life insurance premium in half. Also certain companies will decline you for marijuana usage while others will accept recreational and medical usage.

If you feel you are paying too much for insurance or you have been declined in the past, send us an email or give us a call so we can discuss your situation and try to find you a solution to your needs.