Life Insured By Chris Launches Free Second Look Review for People Declined for Life Insurance Because of Health History

Washington, DC, November 13th, 2026, FinanceWire

The Washington, D.C., brokerage re-shops coverage across more than 30 carriers for people with diabetes, tobacco use or health conditions during National Diabetes Month and ahead of the Great American Smokeout (November 19, 2026)

Life Insured By Chris LLC, an independent life insurance brokerage based in Washington, D.C., today launched the Second Look Review, a free 15-minute review for people who were declined, rated up or quoted unaffordable life insurance premiums because of a health condition. 

The Second Look Review compares an applicant's current health profile against underwriting options from more than 30 insurance carriers. The program runs from November 17 through December 31, 2026, in the 20 states plus DC where Life Insured By Chris is licensed.

Key Facts

Program: Second Look Review, a free, no-obligation 15-minute coverage review.

Offered by: Life Insured By Chris LLC, founded by licensed insurance producer Christopher C. Franklin (NPN 18938042), a Winner, Entrepreneur Awards 2026, Financial Services Category (entrepreneurawards.co). Recognized for providing direct life insurance brokerage services to working-class families across the United States.

Who it serves: Adults who were declined, rated up or priced out of life insurance because of diabetes, tobacco use, cancer history or other health conditions.

Dates: November 17, 2026 – December 31, 2026.

Where: The 20 states listed at lifeinsuredbychris.com/states.

How to book: lifeinsuredbychris.com/schedule-a-consultation or (202) 641-5953.

Why one carrier's decline does not cover the whole market

Each life insurance carrier sets its own underwriting guidelines. Two carriers can rate the same applicant differently for conditions such as well-managed Type 2 diabetes, tobacco use that stopped within the past year, or high blood pressure treatment completed several years ago.

Carriers also offer different underwriting paths:

Traditional underwriting may require a medical exam and lab tests.

Accelerated underwriting can skip the exam and rely on outside data.

Simplified issue uses health questions instead of an exam, often at higher premiums.

Guaranteed issue asks no health questions, but offers lower coverage amounts and often includes a waiting period before the full death benefit applies.

An applicant declined on one path may qualify on another path or with another carrier.

Details of the Second Look Review

• A review of the applicant's prior decline, rating or quote and current health profile.
• A comparison against the underwriting guidelines of Life Insured By Chris's 30+ carriers.
• A plain-language explanation of each available option's coverage amount, premium and any waiting period.
• No cost and no obligation to apply.

Second Look Review Limitations

• Approval is not guaranteed. Some applicants will qualify only for simplified or guaranteed issue coverage, which typically costs more and pays less.
• Coverage availability, pricing and approval depend on the applicant's state, age, health history and carrier underwriting.

Life Insured By Chris Founder comment

"People tell me every week, 'I already tried, and they said no,'" said Christopher C. Franklin, founder of Life Insured By Chris. "Usually, they tried one life insurance company, but underwriting isn't uniform across insurance carriers. A smoker who quit last year or a person with controlled diabetes can look very different to the right life insurance company."

Cost perception and buying barriers

According to the 2026 Insurance Barometer Study by LIMRA and Life Happens, roughly three in four consumers overestimate the cost of life insurance. Among adults who say they need coverage, 45% name cost as the top reason they have not bought it (LIMRA 2026 Barometer toolkit).

Related guides from Life Insured By Chris

Life Insurance After Health Problems

Diabetic Life Insurance Quotes

Smoker Life Insurance Quotes

Applicants can book a Second Look Review at lifeinsuredbychris.com/schedule-a-consultation or by calling (202) 641-5953.

Approval is not guaranteed. Coverage availability, pricing and approval depend on the applicant's state, age, health history, underwriting and carrier.

About Life Insured By Chris LLC

Life Insured By Chris LLC is an independent life insurance brokerage headquartered in Washington, D.C. Christopher C. Franklin founded Life Insured By Chris and is its licensed insurance producer (National Producer Number 18938042). Life Insured By Chris compares term life, whole life, final expense, mortgage protection and no-medical-exam coverage from more than 30 carriers. Life Insured By Chris serves families, working professionals, veterans and seniors in 20 states plus DC and a Winner, Entrepreneur Awards 2026, Financial Services Category. Every client starts with a free, no-obligation 15-minute coverage review at lifeinsuredbychris.com.

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