Have you ever been declined for life insurance? Or been told you would have to wait 2-3 years before your loved ones would be able to get the full benefit from you insurance policy because of your health?

You are not alone, people everyday are told they are not healthy enough to qualify for immediate coverage, and that their only option is to take a graded product which means that if they pass away in the "graded" period their beneficiary will only get a portion of the face amount of the policy.

Yet that does not have to be the case. Different insurance companies have different underwriting rules. I have been able to find immediate coverage for clients that have had a history of many different health issues, including:

* Congestive Heart Failure

* Stroke or TIA

* Diabetes with Neuropathy

* Seizures



As well as many others. So set up a time now that we can go over your situation and discuss the best options for you and your family!