Impaired Risk Life

Declined or Rated...Try Us

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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.

Use our T-3 to Standard program with a very well know mutual, A rated company.

Look at these Impaired Risk Life cases placed through IPA.

Impaired Risk Life Insurance Defined - individuals who cannot normally qualify for preferred or standard rates, or who may be declined for coverage outright, due to adverse health or occupation.

• Male age 26: Juvenile Diabetes onset Age 7 - $25,000 Whole life - Table 8. "A" Company.

• Male age 55: 5' 8", 296 lbs., Irregular EKG, Irregular Pulse, Blood pressure with control problems $400,000 Term, Table 8. "A+" Company.

• Female age 72: Chronic Obstructive Pulmonary Disease, Lung diagnosed to be age 90, smoker, drinker, Acute Myocardial Ischemia, Single Premium, Table 16. "A+" Company.

• Male age 77: Charcot-Marie-Tooth, admitted alcohol abuser, depression, general fatigue, some neuropathy, Single Premium. "A+" Company.

• Male age 39: $900,000, Smoker, alcoholic, history of DUI, sober for one year, Broker received declines from all other companies, T-4. "A+" Company.

• 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 49: $500,000 Face,Smoker, 6' 3" 300+ lbs., heart attack age 19, uncontrolled diabetes, sleep apnea, coronary artery disease, declined by all standard carriers. Coverage needed for buy/sell agreement. Graded Benefit Whole Life (6 companies).

• Occasional Cigar Smoker...Negative Nicotine, Standard Non-Smoker

• Prostate Cancer....Stage 1 Mild, Standard

• Anxiety Disorders....Treatment: Prozac, Standard

• Alcohol Abuse....1 year, T-6 (must be recovering and in AA), in 5 years, will be a standard. 

Life Proposal Request Page / Underwriting Info Form / Medical/Avocation Forms / HOME