We have the solution for your tough life cases. Our in-house underwriting is facilitated by two underwriters with over thirty years of experience. Our impaired risk division focuses on hard to impaired risks such as: medical history, nicotine use, family history, substance abuse, foreign travel & residence, driving record, occupation, and aviation. We shop the market for you and will have a preliminary offer to you in 24-48 hours.

• We shop our cases with over twenty insurance carriers with progressive and impaired risk underwriting capabilities
  
• In-house underwriting expertise
  
• Guaranteed and Simplified Issue products available
  
• Superior case management experience for those difficult cases

Submission Guidelines: All cases must meet a minimum requirement of at least $500,000.00 of Death Benefit or have an annual premium of greater than $1,000.00. We also ask that as much information as possible be provided to Dale so he can accurately assess each case.

Preferred Submission Items

1. Cover letter – previous carrier decisions, planning strategy behind the sale, maximum premium affordability

2. APSs – when available

3. Appropriate Impaired Risk Health Questionnaires – consult with IMS as necessary

Have questions or a case to evaluate? Click Here