Impaired Risk Disability

Declined or Rated

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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.

• Male age 31: Police Officer, A rated carrier (Exceptional blue/gray collar offers: mechanics, laborers, hairdressers, teachers, nurses, firemen).

• Female age 45: Physician with a cardiac history and depression.  Declined by all standard carriers. A- rated company, graded benefit for $6,000 a month.

• Male age 60: Executive, reverse discrimination, mild depression, GERD, borderline hypertension, A- Rated company $$5,000 per month.

• Husband and Wife teaching in the Philippines $2,000 per month on each person.

• Female age 45: Executive, asthma, 5' 5" 185lbs, gestational diabetes, 5yr 90 day benefit for $3,400, A- rated carrier.

• Female age 38: Executive, taking Paxel for anti depressant for severe anxiety.

If you have been rejected recently, either complete the underwriting information form with the medical questions, e-mail or call us to see if you/your client qualifies for our Impaired Risk Disability  program.

Back to Disability Page / Disability Quote Request Form / Medical and Avocation Forms / Underwriting Info Form / HOME