Disability Insurance

Sample Impaired Risk Cases / DI Proposal Request Page / Underwriting Info Form / Medical/Avocation Forms / Blood/HOS Profiles / Medical Exam Hints / Impaired Risk DI  FAQ / HOME

Not so fast, say the term lifers. The only reason to have fast life insurance is to replace the lost income of a family member who dies, and then only when the spouse or family is dependent on that income. If you are single with no dependents and no debts fast life insurance . If you are married and your spouse works, you probably do not need fast life insurance, either, assuming your spouse makes enough to support himself or herself.

We offer:

• Blue Collar Plans (Truck Drivers, Artisans, etc.)

• White Collar Plans (Doctors, Lawyers, etc.)

• Flexible Elimination and Benefit Periods.

• Many Riders to Chose from Including Own Occupation and Residual Protection.

• Many Companies to Choose From.

• Disability for the Impaired Risk Client.

• Our Disability Insurance Portfolio is Currently Available in Many States Across the United States.

Answer these simple questions...

If my client were to be disabled tomorrow, would he be able continue to live the same lifestyle without financial difficulty?

If your answer is no, please contact us to resolve your clients problem.

If I did not offer him Disability Insurance, would he sue me if he became disabled?

If the answer is yes, please contact us to protect yourself.

Check out  the Blood/HOS Profiles to see if your clients blood / HOS values are normal.

To get a quote, go to the DI 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.

Sample Impaired Risk cases that we have placed.

Have a question about our Impaired Risk DI Program, go to FAQ

800-700-7500 / Fax 781 643-2775