For 27 years we've helped Californians with pre-existing conditions get covered — diabetes, heart disease, cancer history, sleep apnea and more. As an independent broker we shop A+ rated carriers to find the one most likely to approve you, at the best available rate.
Every carrier underwrites health conditions differently. An A1C of 7.5 can be a decline at one company and a Standard rate at another. The agent who told you "no" simply didn't have the right carrier — or didn't know where to look.
We separate a carrier's knock-out questions (automatic denials) from its rate factors (things that just affect price) — for your specific condition — and take your case to the carriers most likely to say yes. When traditional coverage truly isn't an option, we place guaranteed-issue or graded-benefit coverage so you're still protected.
Choose your condition to see how carriers view it, what to expect, and your real options in California.
Don't see your condition? We've placed nearly every situation. Get your case reviewed →
A quick, no-judgment review of your health and goals — by phone or a short form. Been declined? That's exactly who we help.
We compare how A+ rated carriers underwrite your condition and target the ones most likely to approve you at the best rate.
We guide you through a smooth application — including no-exam and guaranteed-issue options when they fit best.
Nearly three decades placing hard-to-insure cases other agents give up on.
Not captive to one company — we shop 20+ A+ rated carriers to fit your health.
Coverage from financially strong insurers so your family's claim gets paid.
A calm, honest review of your options — even if the answer is "wait and reapply."
Turned down by his bank's agent, he assumed he was uninsurable. We identified two carriers that treat controlled atrial fibrillation as a rate factor rather than a decline, and placed a 20-year term policy at a Standard rate. Individual result; your outcome depends on full underwriting.
Very often, yes. A denial usually means one carrier's guidelines didn't fit your health — not that you're uninsurable. Different carriers weigh the same condition very differently, and we specialize in finding the ones that fit. When fully underwritten coverage isn't possible, guaranteed-issue options are available.
Not always. Many carriers offer no-exam options, and for some conditions we can use accelerated underwriting. We'll tell you upfront which path fits your case.
It depends on the condition, how well it's managed, your age, and the coverage amount. The right carrier match often makes a large difference in price. We'll show you real options with no obligation.
There's no single "best" — it's about the best match for your specific profile. We compare how multiple A+ rated carriers underwrite your condition and recommend the strongest fit.
A quick, no-obligation review — even if you've been turned down before. 27 years helping Californians get covered.
