Pros
- Great for people with health risks.
- Works with major insurance carriers.
- One-on-one service with real agents.
- No pressure sales.
- Free quotes and no upfront fees.
Cons
- Website is basic and outdated.
- No online quote calculator.
- Not a direct insurer. They connect you to one.
- You have to speak with an agent to apply.
About Big Lou
Big Lou is a life insurance agency that focuses on helping people with high-risk profiles. The company mainly targets men over 50 who may be overweight or have health issues. Big Lou acts as a broker, comparing offers from many top-rated insurers to find the best fit. The name “Big Lou” is a branding choice to make people feel comfortable. It tells customers, “Hey, we get it. You’re not perfect. But you still deserve good coverage.”
Unlike other platforms, Big Lou gives personal support. The team talks to clients directly, helps them gather documents, and guides them through the process. It’s not a tech-first company. Instead, it relies on expert agents who know the life insurance market well.
Policies
Big Lou mainly helps clients shop for life insurance. They focus on people who don’t fit the standard mold. That includes:
- People over 50
- People who are overweight
- People with conditions like diabetes or high blood pressure
- People who have been declined elsewhere
Big Lou offers access to the following types of policies:
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Guaranteed Issue Life Insurance (for people who can’t qualify otherwise)
They help match each client to the right product. Since Big Lou isn’t an insurer, they search through many options and find the best value.
How It Works?
The process is simple. First, you call or fill out a short form on the Big Lou website. An agent contacts you to go over your needs. You’ll answer a few questions about age, weight, and health. The agent checks with different insurers to find good matches.
Once you choose a policy, the agent helps you apply. In some cases, you might need a medical exam. If not, they may offer a no-exam option. After that, they guide you until you’re approved. The whole thing can take a few days to a few weeks, depending on your case.
Pricing
Big Lou does not charge you directly. They earn a commission from insurance companies if you buy a policy. That means quotes are free.
The cost of life insurance through Big Lou depends on:
- Age
- Health
- Weight
- Smoking status
- Coverage amount
- Policy length or type
Sample rates (non-smoker, male, age 55, \$250,000 term policy for 10 years):
- Standard health: About \$70/month
- High-risk health: About \$120/month
Big Lou helps people find lower rates even with a less-than-perfect health record. That’s the core of their service.
Customer Support Services
Customer service is one of Big Lou’s strengths. You won’t be stuck with a chatbot. Real people answer the phone.
You can reach them by:
Phone: 800-960-1390
Website: [www.BigLou.com](http://www.BigLou.com)
Email: [Info@BigLou.com](mailto:Info@BigLou.com)
Agents are helpful and not pushy. They explain your options in plain English. The company also follows up if your case needs more steps or medical exams.
Conclusion
Big Lou is not for everyone. If you’re young and healthy, a direct-to-consumer platform might be faster. But if you’re over 50, have some weight, or deal with health issues, Big Lou is worth your time.
They don’t judge. They listen. And they look for real solutions, not just easy cases. Their agents are experienced and understand how to find deals others might miss.
In short, Big Lou helps real people get life insurance. If you’ve been turned down before or think you can’t afford coverage, give them a call. They may surprise you.
