Impaired Risk Disability

Declined or Rated

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Impaired Risk Disability Defined - individuals who cannot normally qualify for preferred or standard rates, or who may be declined for coverage outright, due to adverse health conditions unusual or hazardous occupations.

Look at these Impaired Risk Disability cases placed through Best Marketing USA.

• 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.

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