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Are you a woman and been declined for life insurance?

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Life Insurance Approvals for Women With High Risk Medical Issues

We can help!

You have come to the right place.

10 Reasons Why We Get High Risk Life Insurance Approvals For Women

How can I help you?

Trusted Life Insurance Advisors for Women

1. Our life insurance agents ask the right questions and go the extra mile that most agents today will not.

2. We understand the underwriting guidelines of each top rated life insurance carrier and which ones tend to be more lenient than others on certain high risk life insurance issues for women.

3. We know that every underwriting department for each life insurance carrier is NOT created equal and neither is the underwriter assigned to your life case!

4. Our life insurance agents know when to utilize a *Trial Offer Letter to determine the carrier that will see your specific high risk life insurance situation in the best light.

5. Our Trial Offer Letters are efficiently email blasted to several carriers at once with responses in as little as 1-3 business days!

6. We have access to one of the best underwriting experts in the industry and a medical director for the most complicated high risk life insurance cases for women.

7. We fight for our clients and will obtain that best rate for which you are qualified for!

8. Did we mention that we will not only do our best to get you approved with a high risk issue, but will make sure it is at the lowest premium possible!

9. We have been known to get declines and postponements turned around and approved by submitting extra medical testing information or a letter that outlines your health and lifestyle credits!  (This is the most gratifying!)

10. We exhaust every possible life insurance carrier and product to get your high risk case APPROVED!!!


What is a Trial Offer Letter?


Often times we will have a high risk life insurance case that could receive offers from multiple carriers.  However, we are not exactly sure who will be the best one to apply with as far as rating and lowest premium go.  A trial offer letter narrows down that choice for us!   A trial offer letter is also ideal when we have a lot of detailed  information about you and your high risk situation.

What information do you disclose in the Trial Offer Letter?


Your identity is left off the trial offer letter.  For example, we would saying something like…”I have a female age 35 that resides in California….”  We then list all the facts of your case.  Some examples of the facts we include are:  Height, Weight, Smoker or Non-Smoker, Medical Conditions, Date of Diagnosis, Treatments, Test Results, and Follow Up Information.  We will also include your lifestyle credits (All the good stuff!).   Lifestyle credits could be how often you exercise, that you always maintain routine visits with your doctor, eat a healthy diet etc.  Lastly, we will let the carrier know what life insurance products you are seeking.

Responses will then trickle in from the carriers via email that will either ask for more information, give us a tentative offer subject to a full underwriting review, or a decline to make an offer.  As we stated above, not all life insurance carriers are created equal and they will rate things differently according to their underwriting guidelines.  It is not an exact science because of the variables that each case has.

Bottom Line

Our goal with the Trial Offer Letter is to get a clear cut idea of who the best life insurance carrier is for your unique situation!  There have also been times when we narrow it down to two carriers and submit two applications with the idea of taking the best offer.  (Yes, we can use the same exam for both!)

Begin here on your life insurance search.


For more information about High Risk Life Insurance For Women or to get a quote…please feel free to give us a call at  (619) 933-0736.

*Written by Ellen Edwards. InsureTheQueen.com and its representatives do not give medical, legal, or tax advice. Please consult your own physician, legal or tax adviser.


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Ellen Edwards

Independent Life Insurance Agent at EM Insurance Services
Ellen Edwards is the owner of EM Insurance Services, an online life insurance agency. She is also the creator and lead blog writer of InsureTheQueen.com. You can find her on Google +, Twitter, and LinkedIn. Over the past 7 years, Ellen has successfully consulted individuals across the United States regarding their insurance needs. She is a proud single mom to two daughters and a son.

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