There are five steps to our process:

Step 1: Free consultation with an Optimizing Insurance agent

Step 2: Review and refine recommendations

Step 3: Submit Application(s)

Step 4: Phone Interview and Medical Exam (if applicable)

Step 5: Funding the policy

Depending on the complexity of the policy, and the motivation of the purchaser, some policies can be written and approved in as little as one to two hours. Most policies take less than a week to get approved. Policies that require a medical exam will of course take more time but can usually be scheduled in less than a week.

Absolutely not. There is nothing worse than providing your contact information to a website, then being bombarded with calls and emails from countless sales reps. You will only be contacted by an Optimizing Insurance trained agent and can of course opt out at any time.

As many as half of all adults under the age of 65 have some form of a pre-existing medical condition. These chronic conditions range from asthma, to diabetes, to heart disease. The question is, can you buy insurance after such a diagnosis? The fortunate answer for many people is: Yes.

It may be possible to get life insurance with these and other pre-existing conditions, including HIV infection. But details matter, and each answer will depend on your specific health situation. Unsurprisingly, age and health are the two most important factors life insurance companies use to determine whether a person is insurable, and at what cost. A younger, more physically fit person is less likely to die in a given time frame – be it months, years or decades – compared to an older, less healthy person.

Of course, other factors such as lifestyle and gender also affect your rates. Risky habits and dangerous hobbies (e.g., smoking, scuba diving) can make life insurance more costly. These classifications vary somewhat by insurer, but it’s important to remember that no insurance company expects every prospective customer be in peak health. Various types of policies such as term life insurance are issued every day for people with health conditions. Some of the more common examples include: Obesity, High cholesterol, High blood pressure, Anxiety, Heart disease, and HIV.

On average, life insurance rates (premiums) for people with pre-existing conditions increase by 8-10 percent per year.

All Optimizing Insurance agents are independent. This gives us the flexibility to compare options from dozens of insurance companies, allowing us to provide highly refined recommendations to our clients.

As independent agents, we take our fiduciary responsibility seriously. Your best interest will always be our top priority, and by being independent, we are able to shop multiple carriers to find the absolute best policy for you.

There is no charge for our service or consultations. You can speak to a licensed agent anytime, free of charge. We receive compensation directly from the various insurance companies in the form of a commission payment, which is built into the price of all insurance policies, regardless of who they are purchased from.