EMG Insurance Brokerage


We are here to help with your Affluent Clients in need of more options.

Our team is here to ensure the Life Insurance process for your best clients makes them feel as special as they are. Getting the coverage right for Life and Disability Insurance is what we do. When your top client cannot find coverage through your direct carrier, EMG is here to help you find a solution to keep them covered through your office.


Minimum Net Worth of $1 million.

Seeking insurance coverage of $1 million or more.

Examples of possible Industries/Careers: Doctors, Dentists, Engineers, Lawyers, Business Owners.


Our model places an emphasis on a high level of personalized service. We strive to provide you with the best quality of service options. We are here helping you do the very best you can for your very best clients.

How to Submit a Quote Request

Step 1

Download and complete the mandatory initial questionnaire for all clients.

Mandatory Questionnaire

Step 2

Download and complete any applicable questionnaires indicated based off the initial questionnaire.

Step 3

Save all completed forms and attach them to an email sent to: impaired-risk@emgbrokerage.com or fax to 281.940.1030.

Frequently Asked Questions

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.

Mandatory Questionnaire

Email impaired-risk@emgbrokerage.com with questions. (Please check spam for missing emails.)



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

Click here for a PDF version of the FAQs.

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.

We are an independent brokerage group established in 1987 with over 140 years of combined experience in Life Insurance. We have practiced and honed the Impaired Risk process to find the best options for your clients with impairments.

No. You do not have to be appointed to submit a quote request. Just complete the Mandatory Initial Questionnaire and any applicable questionnaires, then send to our team’s email address and we will research options for your client. Once a carrier is chosen and an application is completed, you will be appointed with that individual carrier.

Within reason, yes. We take time with each case to communicate with our carriers’ underwriters to discuss your client’s specific situation and find the best carrier for each client’s individual impairments. Anyone with an impairment must be 18 years or older.

Most likely yes, as almost every case with us will need additional information. If your client checked any box on the Initial Questionnaire, we will need follow-up information on correlating questionnaires. For example: A client with high blood pressure will also need the Blood Pressure Questionnaire completed, including all supplementary information on that form.

No. All initial information submitted to us is for quoting purposes only, to see if we can find a carrier to write your client’s case. A carrier application will follow once we find an option to fit your client.

Placing a case for an impaired client is a difficult challenge. We need all possible information for every case so we can find the best carrier for each person. If we lack information and send a quote with a rating, full medical and financial underwriting will ultimately uncover all omitted or misrepresented information. If missing information is pertinent it can lead to a higher rating or even a decline.

We strive for a 72 business-hour turn around. Higher risk clients or those lacking information may take longer for us to receive a reply from the underwriters.

The average case will take 45 days from application submission to underwriting decision. Most applications are electronic. With an application, your client will have a phone interview (in most cases), medical exam, and electronic signatures. The completed application will then be transmitted to the carrier for underwriting. If a case requires an APS or other medical documents, underwriting can take longer depending on the medical facility’s response time.

Yes, for all fully underwritten applications.

Your client will be contacted to complete their interview and exam, then you will hear from our Case Management team for any necessary follow up. Meanwhile, our in-house licensing team will request and process your appointment with the carrier.

Yes. You must give your carrier the first right-of-refusal for any coverage. However, if you have a client who was not declined but falls outside of your carrier’s product portfolio parameters, email us to discuss the options.

Yes. We have a dedicated voicemail and inbox for all agents which is monitored through the day by our team. It is always fastest to reach us via email, but we can also arrange (via email) a phone call at your convenience.