We can often find coverage for your clients who may have been declined elsewhere. The company and ratings will vary with each client and his/her impairment(s).
See the products in action (click on the impairment below for more information) - call us to find the right one for your prospect...
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