High risk life insurance helps people that standard insurers often turn away or charge much more. Perhaps you have a health condition, a dangerous job, or a risky hobby. Or maybe another insurer has already declined you. Either way, you still have options. At Nova Star Insurance Consultants, we understand these challenges, and we find coverage that protects your family and your income.
Insurers may rate you as higher risk if you have diabetes, heart disease, a history of cancer, mental health conditions, or other ongoing health issues. Similarly, a recent diagnosis or a past decline can make standard coverage hard to get.
Jobs in construction, mining, firefighting, and law enforcement carry more risk. As a result, some insurers charge more or limit coverage.
Scuba diving, skydiving, rock climbing, motorsports, and private flying can also affect your application.
For general guidance on how insurers assess applications, read the Financial Consumer Agency of Canada’s consumer guide.
Our experienced consultants can help you:
Don’t let a health condition, job, or hobby put your family’s financial security at risk. Contact Nova Star Insurance Consultants today to talk about your options. The first conversation is free, with no obligation.
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