The Life Deal provides excellent hands-on service for those who might have trouble finding coverage elsewhere. Its agents specialize in high-risk applicants — people with pre-existing conditions, complex health histories, or prior declines — and know which carriers are most likely to say yes. Flexible payment options and a wide selection of riders, including guaranteed-issue products, make it possible to build coverage around almost any situation. The application process is slower and more traditional than its digital-first competitors, but for applicants who need an advocate in their corner, that personal attention is precisely the point.
Pros
- •Great for complex health histories
- •Dedicated agents
- •Many rider options
Cons
- •Application process can be slower
- •Digital tools are less advanced
Who is The Life Deal best for?
Applicants with pre-existing conditions needing guidance.
Coverage Options
- Term life
- Whole life
- Guaranteed issue