High-Risk Conditions

More Information

Reach out for expert insurance support and personalized solutions.

A medical condition shouldn’t stand between you and financial protection. Whether you’re managing diabetes, high blood pressure, heart disease, obesity, or are in remission from cancer — we’re here to help you get the life insurance you deserve.

At Pretty Penny Capital, we specialize in high-risk life insurance and coverage for pre-existing conditions. Our team works with top-rated carriers who understand real life — and real health concerns.

Why Choose Us for High-Risk Life Insurance?

1. No Automatic Denials

We partner with insurance providers who welcome applicants with conditions like diabetes, HIV, COPD, obesity, and more. Your application deserves a fair review.

2. Living Benefits

Access part of your coverage early if you're diagnosed with a qualifying serious illness like a heart attack, stroke, or cancer recurrence.

3. Flexible Plan Options

We offer term life, whole life, and guaranteed issue policies tailored to your unique health profile and budget.

4. Compassionate Guidance

No pressure. No confusion. Just clear answers and supportive advice—every step of the way.

Common Conditions We Cover

Health challenges shouldn’t prevent you from securing life insurance. At Pretty Penny Capital, we believe that everyone deserves access to protection—regardless of their medical history. If you’ve been denied coverage in the past due to a health issue, you’re not alone—and we’re here to help.

Fast & Easy Process

Our fast and easy process ensures quick policy setup

24/7 Supports

Get round-the-clock support for all your insurance needs

We specialize in working with individuals who face unique health situations. Our network of trusted insurance partners offers solutions tailored to high-risk profiles, so you can get the peace of mind you deserve.

FAQS

Frequently asked questions

Yes, you can. Many of our clients have conditions like diabetes, high blood pressure, heart disease, or obesity. We work with carriers that specialize in high-risk applicants and offer real coverage—even if you’ve been denied before.

Premiums can vary based on your health, age, and the type of policy, but we work hard to find the most affordable options available to you. Our goal is to match you with coverage that fits both your needs and your budget.

That’s okay. Many of our clients come to us after being denied elsewhere. We partner with insurers who offer guaranteed issue or simplified issue policies—no medical exam required in some cases.

Not always. Some policies, especially guaranteed issue or simplified issue plans, don’t require a medical exam. We’ll guide you to the best option based on your health and preferences.

Just fill out our quick quote form or contact us for a free consultation. We’ll review your situation, explain your options, and walk you through the process—no pressure, no confusion.