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Life Insurance
To get a Quote
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
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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.
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.
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. 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.
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800-700-7500 / Fax 781 643-2775
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