WE UNDERSTAND ABOUT BEING UNINSURABLE AND AFRAID.  CALL US, OR READ
ON.  STOP DOING NOTHING.  PROTECT YOURSELF!
YOU MAY CLICK BELOW FOR AN INSTANT QUOTE ON A GUARANTEED ISSUE PRODUCT WITH MANY CHOICES OF
PLAN DESIGN.  WE SUGGEST THAT YOU ALSO READ THE INFORMATION AND FILL IN THE BOXES AT THE BOTTOM OF
THIS PAGE TO GET AN ADDITIONAL QUOTE ON ANOTHER PRODUCT.  BOTH INCLUDE DR. VISITS, HOSPITAL, AND  
EVEN ACCIDENT DISABILITY UP TO $10,000.  WE HIGHLY RECOMMEND THAT YOU CLICK RIGHT BELOW FIRST.  WE
WILL CALL YOU ABOUT BOTH QUOTES IF YOU FILL OUT THE FORM AT PG BOTTOM.
WONDERFUL PRODUCT, CLICK BELOW
FILL OUT AND SUBMIT FORM AT BOTTOM FOR A
QUOTE
ARE YOU UNINSURABLE AND WHAT DOES THAT REALLY MEAN
WE HAVE 2 WONDERFUL PLANS BOTH GUARANTEED ISSUE
PLEASE READ AND FILL OUT SHORT FORM AT BOTTOM
HEALTH INSURANCE, LIFE INSURANCE, LONG TERM CARE, AND DISABILITY INSURANCE ARE, LIKE MOST
INSURANCES GRANTED, OR DECLINED BASED ON "RISK".  AS YOU MAY ALREADY KNOW, MANY MEDICAL
CONDITIONS OR HISTORY OF THESE CONDITIONS MAY PUT YOU INTO AN "UNINSURABLE CATEGORY.  
THIS MEANS THAT YOU HAVE BEEN UNABLE TO BUY REGULAR INSURANCE THAT IS BASED ON HEALTH
ISSUES.  THIS IS A FRUSTRATING SITUATION FOR THOSE OF US WHO ARE WILLING BUT UNABLE TO
OBTAIN COVERAGE.  WHAT CAN WE DO ABOUT THIS ?

FIRST OF ALL WE HAVE TO ADMIT THE LIMITATIONS.  DIABETES IS NOT GOING TO QUALIFY US FOR A
REGULAR NON-GROUP HEALTH INSURANCE POLICY.  OTHER DISQUALIFYING DISORDERS, CONDITIONS,
AND DISEASES INCLUDE HEART PROBLEMS, CANCER, EPILEPSY, HEPITiTIS, AND MANY OTHERS.  IN FACT,
SOMETIMES JUST A COMBINATION OF 3 OR MORE FAR LESS SERIOUS PROBLEMS MAY RESULT IN BEING
DECLINED.  MOST INSURERS WILL WAIVER (NOT COVER) CERTAIN CONDITIONS, WHILE STILL OFFERING A
POLICY, AND COVERING ALL OTHER EVENTUALITIES.  HOWEVER, LET'S SEE WHAT HAPPENS WHEN WE
COMBINE SOME LESS SERIOUS CONDITIONS LIKE OSTEOARTHRITIS, BACK OR JOINT CONDITION, AND
ENDOMETRIOSIS.  INSURERS WILL RARELY OFFER A POLICY WHEREIN 3 CONDITIONS ARE WAIVERED.  IF
ANY 4TH CONDITION EXISTS, A DECLINE IS IMMINENT.  HOWEVER, MY ADVICE TO CLIENTS IS "IF YOU
HAVE ONE OR MORE WAIVERS ON PRE-EXISTING CONDITIONS AND ARE STILL OFFERED A POLICY, TAKE
IT!  NO MATTER WHAT YOUR CURRENT AGE, YOU WILL NEED HEALTH INSURANCE TO AGE 65 WHEN YOU
GO ON MEDICARE.  AT LEAST YOU WILL BE COVERED FOR THE PROBLEMS THAT COME IN THE FUTURE,
EVEN WHILE NOT COVERED FOR THOSE ALREADY IN PLACE.  FOR THOSE OF YOU WITH SERIOUS
PROBLEMS RESULTING IN REGULAR PLAN "DECLINE, WE CAN HELP.


IF YOU ARE UNINSURABLE FOR A "REGULAR PLAN" YOU CAN STILL BE
COVERED THROUGH A DIFFERENT PLAN CONCEPT.
$$$ RATES FOR THESE PLANS ARE FAR BELOW REGULAR PLANS $$$

THERE ARE "INDEMNITY PLANS" AVAILABLE FOR YOU ALTHOUGH THEY USUALLY COME WITH SPECIAL
ELIGIBILITY RULES.  BELOW, YOU WILL FIND AN INFORMATIVE LIST THAT WILL HELP YOU DECIDE:  THE
PLAN SHOWN BELOW IS PLAN #2 BUT WE HAVE SEVERAL CHOICES.  
    1.  FIRST, YOU MUST BE EMPLOYED AT LEAST 27 HOURS PER WEEK.
    2.  YOU MUST NOT BE IN RENAL FAILURE.
    3.  YOU WILL HAVE A 12 MONTH WAITING PERIOD FOR CONDITIONS, TREATMENTS, DISORDERS
    AND  DISEASES ALREADY IN YOUR HISTORY, OR FOR WHICH YOU TAKE ANY PRESCRIPTION
    MEDICATIONS.
    4.  THESE PLANS ARE CALLED "INDEMNITY" PLANS.  THAT MEANS THAT EACH BENEFIT IS
    LIMITED TO A SPECIFIC AMOUNT OF DOLLAR COVERAGE.  DEPENDING ON WHICH PLAN
    SELECTED, A HOSPITAL STAY WOULD PAY X NUMBER OF DOLLARS PER DAY.
    5.  YOU MAY RECEIVE A SPECIFIC NUMBER OF PHYSICIAN OFFICE VISITS PER YEAR, PAID AT A
    SPECIFIC DOLLAR AMOUNT.  
    6.  MANY OTHER BENEFITS ARE INCLUDED IN THESE PLANS, WHICH ARE ACTUALLY
    "INSURANCE", AND NOT JUST "DISCOUNT" PLANS.
    7.  THESE PLANS ARE USUALLY SOLD BY AN "ASSOCIATION".  THE ASSOCIATION ALSO
    INCLUDES BENEFITS WITH YOUR MEMBERSHIP.  ASSOCIATION BENEFITS ARE USUALLY
    DISCOUNT PROGRAMS FOR DENTAL, VISION, AND OTHER SPECIAL BENEFITS, WHICH ARE NOT
    INSURANCE.  
    8.  THE "INSURANCE" PLAN DOES NOT INSIST THAT YOU USE PHYSICIANS AND HOSPITALS ON A
    LIST.  HOWEVER, YOUR OUT OF POCKET, AFTER USING UP YOUR BENEFITS WILL BE HUGELY
    REDUCED BY USING THE "PREFERRED PROVIDER LIST".
IF YOU ARE UNINSURABLE, REALISTIC,
AND PLANNING FOR THE FUTURE, YOU
SHOULD CALL US.
WE WOULD LIKE TO HELP YOU
FILL OUT THE FORM BELOW  AND CLICK
SUBMIT.  WE WILL EMAIL A QUOTE OR
CALL YOU IF YOU WISH.
TOBACCO YES/NO
FIRST & LAST NAME
MALE OR FEMALE
AREACODE & PHONE
DATE OF BIRTH
EMAIL ADDRESS
ZIPCODE
COUNTY
MUST BE FLORIDA
PLEASE GIVE A BRIEF EXPLANATION OF WHY YOU FEEL YOU ARE
UNINSURABLE IN THE BOX BELOW I.E.(DIABETIC, HEART, WEIGHT, CANCER)
THE MALONE INSURANCE AGENCY
THE MALONE AGENCY
1-800-239-7553
THE MALONE INSURANCE AGENCY
IF YOU DO NOT WISH TO FILL OUT A QUOTE
REQUEST
CALL US AT
1-800-239-1515