Underwriting – High Risk Scenarios

Bankruptcy & Term Life Insurance: 2026 Approval Guide

If you’ve filed for bankruptcy, you might worry that life insurance is out of reach. While it’s true that a bankruptcy filing stays on your credit report for years, it doesn’t automatically disqualify you from getting a term life insurance policy. As of 2026, underwriters are far more concerned with your current financial stability and…
Read More

Term Life Insurance with a Theft Conviction (2026)

Having a theft conviction on your record doesn’t automatically disqualify you from getting term life insurance, but it certainly changes how companies look at your application. As of 2026, underwriters still view criminal history as a significant factor in determining your “lifestyle risk.” While they aren’t judging your character, they are looking at statistics and…
Read More

Probation and Term Life Insurance: 2026 Approval Guide

If you’re currently on probation or have a recent conviction on your record, you probably already know that many parts of life become a bit more complicated. Finding life insurance is one of them. While it’s not impossible to get coverage, your legal status is a major factor that underwriters look at when they decide…
Read More

Felony Life Insurance: 2026 Guide to Getting Approved

If you have a felony on your record, you probably expect a “no” when you apply for life insurance. As of 2026, underwriters handle felony convictions with more nuance than they used to, but it still isn’t a walk in the park. You can get covered, but the “how” and “when” depend entirely on the…
Read More