Impaired Risk

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).   Please complete the form below and let us see what we can find for your client.  Please tell us as possible in the notes section.


Asthma – STANDARD!

Atrial Fib – STANDARD!

Blood Pressure – PREFERRED!

Build Problems – Liberal Height and Weight Requirements

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

Private Pilots – Preferred Rates

Prostate Cancer – STANDARD!

Nicotine Patches – Standard NON Tobacco Rates

NON Smoker Rates after 12 Months for Cigarette Smokers

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!

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

$250,000 Term or UL NO Exam
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