Trying to buy life insurance if you have health problems can be like a Catch-22. You need the coverage because of your heightened risk. But it can be difficult to get coverage because you are more of a risk to insure. This is when impaired risk underwriting can help you get the coverage you need. An insurance broker who specializes in impaired risk will know which insurance companies are more likely to offer coverage for people with certain medical conditions or risky lifestyles. So if you’ve been denied coverage in the past or are afraid you can’t find affordable coverage because of your health or lifestyle, don’t give up hope.