Medical Problems

Even if you have been turned down for Life Insurance in the past, we can help. We specialize in high risk insurance for individuals with medical histories. We work with you and the Life Insurance companies to insure that you get the lowest rates available. If you are suffering from any ailment and want to protect your family with Life Insurance, we have many Life Insurance companies that will work with us to get you insured with or without a medical exam.

- Save Money -
Special Rates For Smokers
The Lowest Rates for Life Insurance

Turned down - No Problem
• Past Medical Problems OK
Special Rates for Pipes & Cigars

To get a full report on underwriting medical problems. click here.


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RubyGold Financial specializes in the Insurance, and Planning Services of: Life Insurance, Long Term Care Insurance, Family Planning, Term Life Insurance, Whole Life, Annuities, IRA, Retirement Planning, Smoker Life Insurance, Disability Income Insurance, High Risk Life Insurance, Mortgage Insurance, Indexed Annuities, Universal Life, Fixed Annuities, 412i, 401 (k), Business Planning, Indexed Life
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