NOTICE: Effective 10/14/2019 Impaired Risk will be moving into a Concierge platform requiring adjustments for case minimums. We will only be able to fully assess a case with expected premiums over $10,000. This is due to our commitment to provide high level service to our agents and ensure each case has the full attention of our team.
If you have a case falling below this limit we have a $50,000 graded benefit guarantee issue policy available. Please see the FAQ below for product information. If you would like a quote for your client on this product please email a Mandatory Initial Questionnaire to the address below.
How to Submit a Quote Request
Download and complete the mandatory initial questionnaire for all clients.
Download and complete any applicable questionnaires indicated based off the initial questionnaire.
Save all completed forms and attach them to an email sent to: email@example.com or fax to 281.940.1030.
We are here to help you get the right insurance for your clients. We are experts in underwriting for impaired risk customers. This simple quoting tool makes shopping for the right coverage as easy as one, two, three. We Are Here To Help You.
Email firstname.lastname@example.org with questions. (Please check spam for missing emails.)
- General Medical
- Foreign Residence
- Heart Abnmlekg
- Heart Aortic Regurgitation
- Heart Angioplasty
- Heart bbb
- Heart Attack
- Heart Aortic Stenosis
- Heart Disease Cardio
- Heart Congestive Heart Failure
- Heart General
- Heart Mitral Valve Prolapse
- Heart Pacemakers
- Heart Pericarditis
- High Blood Pressure
All cases will be fully underwritten by designated carriers and require a Paramed.
Once a form has been submitted a quote request our team will confirm receiving your inquiry within a business day. If you have not heard from us please confirm the email address and resend the form or check your SPAM folder.
An average of 72 hours is the turnaround time for our team to hear from the various carriers about a case. Some questionnaires may require further follow-up and all forms are expected to be completed in full.
All details of an impairment are essential to help us place your client in the best coverage possible for them. Missing health information or personal history can delay an offer or cause a decline.
Thank you for trusting us with your valued client and we look forward to helping you find options for them!
Impaired Risk – Frequently Asked Questions
Benefit amount, maximum of $50,000. 5 year renewable term for ages 18-75.
Graded at: 120% of premium Year 1 – 20% of Death Benefit Year 2 – Full benefit all years after year 3
Currently Available in - AL, AR, AZ, CA, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, WV, WY.