We have the solution for your tough life cases. Our in-house underwriting is facilitated Dale Fradette, Ph.D. Dale who has over thirty years of underwriting experience and over thirty professional designations. Our impaired risk division focuses on hard to place 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? Click Here To E-mail An Underwriter