Whether or not you can reapply for better rates on life insurance depends on the type of agent you use. A so-called “captive” agent is tied to a single company, and has no ability to shop your case around to other insurance companies. Even if you work with an independent agent, not all independent agents fully understand the high risk market, and many are unwilling to put in the effort to fight for the best possible rates, especially for complex cases.
Your best solution is to have your case re-shopped by an independent agent who is highly experienced in the high risk market. At American Term, we work with more than 121 life insurance companies, and we know how to work complex high risk cases to achieve the best possible outcomes.
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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.