You can always reapply for a better life insurance rate, if you were approved for a higher rate than you expected.  

The problem is if you deal with a captive agent, like from State Farm, Farmers, Allstate, then I suspect most of these agents will tell you that you won't do better...but this a LIE or they just don't know any better based on their sales training!!

Even if a broker who represents more than one company tells you that you won't qualify for better, we can easily give you a second opinion and would highly recommend that you get one!!  

Since 1992, we've probably shopped over 20,000 cases to the best insurance carriers, many of which for people with health issues or pre-existing conditions.

We'll find you the best life insurance offer

We've shopped everything from high cholesterol or blood pressure cases to type 1 diabetes, cancer survivors, heart attack and other heart issues, cancer survivors, for those involved in motorized racing or other potentially hazardous activities.  You name it, we've probably shopped it.   

I still get surprised to this day on the difference in cost that carriers will offer one person for the same plan and amount of life insurance.   

There are about 1,000 different companies offering life insurance in the United States, many of which have a niche. 

Our goal is to find you the absolute best life insurance company for you, regardless of your specific issue or issues.   

Process to getting best life insurance offer

After about 10 years in this business, and getting frustrated every time one of our clients did not qualify for the rate we quoted, I tried a new strategy on tougher life insurance cases..

I started applying to more than one carrier on tougher cases, and it was like the insurance Gods sang down upon me!!!!

Now I had the upper hand over every underwriter, since there was always a better offer on the table!   

Articles that may interest you

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It Can Take Work To Get Best Life Insurance Rate

I Was Declined For Life Insurance, Now What?

Buy Life Insurance From Captive Agent…Then You’ve Paid Too Much!


Family owned and operated since 1969, American Term is dedicated to getting you the right life insurance at the right price, even if you are considered high risk. Call us today at 1-800-380-3533 to learn how our unique dual application process can bring your life insurance premiums down.

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