Life Insurance
Sample Impaired Risk Cases / Life Proposal Request Page / Life Printable Proposal Request Form / Underwriting Info Form / Medical/Avocation Forms / Blood/HOS Profiles / Medical Exam Hints / Quote
At IPA, we are obligated to our clients to work with the premier companies available to the brokerage communities. This not only includes name companies but companies that offer specialty products that fit your clients needs.
We offer:
Term Insurance: Preferred +, Preferred, Standard, Impaired Risk and Smoker Select (preferred smoker). Most the Term Insurance can be underwritten and offered in the Impaired Risk Community allowing us to give you the lowest premium possible.
Universal Life Insurance: Preferred +, Preferred, Standard, Impaired Risk and Smoker Select (preferred smoker). This product, like term insurance is available in all States from many companies. Our Universal Life products can be used for the impaired risk community.
Whole Life: A long lost policy form that is very under-utilized today. Like Term and Universal Life, this product is available in all 50 states. Preferred, Standard and for the Impaired Risk. All dividend options available
Simplified Issue Whole Life: Ask three questions, are you working or able to work, have you had AIDS or HIV and an internal cancer question. Stack these policies to the maximum available in your sates
Guaranteed Issue Whole Life: No questions, we just issue the policy.
Advanced underwriting for the complicated case is available.
Check out the Blood /HOS Profiles to see if your clients blood / HOS values are normal.
To get a quote, go to the life quote request page.
If your client has an impairment, go to the Underwriting Information Questionnaire and/or the Medical and Avocation page to give us your clients information to present to our underwriters for an informal quote.
Rated or Declined....Look at some Sample Impaired Risk cases that we have placed.
800-700-7500 / Fax 781 643-2775
info@insurance-second-opinion.com