High Risk Life Insurance Playbook
At Diversified Insurance Brokers, we specialize in helping clients secure life insurance even when other agents or companies have said “no.” Our High Risk Life Insurance Playbook is designed to guide individuals with medical conditions, hazardous occupations, lifestyle factors, or other challenges through the process of finding the right coverage at the best possible rates. With access to more than 100 top-rated carriers and decades of underwriting experience, we know exactly which companies are most likely to approve your application and how to present your case in the most favorable way.
What’s Inside the High-Risk Life Insurance Playbook
Inside, you’ll discover:
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Carrier matching strategies—how to choose the right insurer for your specific condition or risk
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Medical underwriting tips—what details matter most and how to prepare your application
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Alternative policy types for higher-risk applicants, including graded benefit and guaranteed issue coverage
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Rate comparison examples so you can see the cost difference between carriers
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How to recover after a decline and improve your chances on a new application
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Confidential application handling to protect your privacy during underwriting
Common High-Risk Categories Covered
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Medical Conditions
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Heart disease, diabetes, cancer history, COPD, kidney disorders, and more
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We know which carriers are most favorable for each condition and how many years of stability or treatment history they require
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Lifestyle Risks
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Tobacco use, high-risk hobbies like skydiving or scuba diving, and certain travel destinations
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Learn how these factors impact rates and how to minimize premium increases
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Occupational Risks
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Commercial pilots, offshore oil workers, firefighters, and other hazardous jobs
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How to find coverage despite job-related risks
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Substance Use History
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Alcohol or drug abuse history and the sobriety periods required for standard rates
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Strategies for applying after recovery milestones
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Who Should Use the High-Risk Life Insurance Playbook
This guide is ideal for:
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People who have been declined for life insurance in the past
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Those with pre-existing medical conditions or recent health issues
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Applicants in hazardous occupations or with risky hobbies
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Individuals who want a clear, proven path to getting coverage despite challenges
Why Work With Diversified Insurance Brokers
When it comes to high-risk cases, experience matters. Here’s why our clients trust us:
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Access to 100+ A-rated carriers for maximum options
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Deep underwriting expertise to match you with the right company the first time
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Fast, efficient application process to get you approved quickly
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Confidential and compassionate guidance throughout the process
Example Scenarios Covered in the Playbook
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A 52-year-old with a history of heart attack approved at standard rates by a carrier specializing in cardiac cases
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A commercial pilot securing a large death benefit despite occupational risks
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A recovering alcoholic obtaining coverage just three years after sobriety
Get Your Copy of the High-Risk Life Insurance Playbook
If you’ve been told you’re “uninsurable,” our High-Risk Life Insurance Playbook can change that. Request your copy today and take the first step toward securing affordable coverage, no matter your situation.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
