Case Studies

Let us Help With Your Impaired Risk Cases

Asthma – STANDARD!

Atrial Fib – STANDARD!

Blood Pressure – PREFERRED!

Build Problems – Liberal Height and Weight Requirements

Both parents died of cancer prior to age 60.  We issued Preferred Plus

Cholesterol (controlled) – PREFERRED PLUS!

Cigar Smokers – Standard NON Tobacco Rates

Commercial Pilots – Preferred PLUS Rates

Crohns Disease – STANDARD!

Depression – PREFERRED!

Diabetes – STANDARD!

Heart Disease – STANDARD!

Hepatitis – STANDARD!

Casual Marijuana Use – Standard NON Tobacco

Pipe Smokers – Standard NON Tobacco Rates

Private Pilots – Preferred Rates

Prostate Cancer – STANDARD!

Nicotine Patches – Standard NON Tobacco Rates

NON Smoker Rates after 12 Months for Cigarette Smokers

Mood Disorders – PREFERRED!

PREFERRED NON Smoker Rates after 24 Months for Cigarette Smokers

Scuba Divers – up to 100 feet – PREFERRED!

Sleep Apnea – PREFERRED!

Tobacco Chewers – Standard NON Tobacco Rates

Tobacco Dippers – Standard NON Tobacco Rates

Systemic Lupus Erythematous – Table 2

Valve Disease – PREFERRED!

Table 4 – STANDARD – Term and Universal Life!

$400,000 Term NO Exam (Oral Swab Only)

$250,000 Term or UL NO Exam



We can often find coverage for your clients
who may have been declined elsewhere.
We will search for the company that offers the best ratings for each unique case.  Each case is evaluated individually and the offers will vary with each client and his or her specific impairment(s).

See the products in action (click on the linked impairments for more information) or CLICK HERE to get a quote on your case!