Impaired Risk Life Insurance

Facts & Case Studies for some Common Conditions

See underwrtiting approaches for additional conditions at

Underwriting Diabetes
Underwriting Hypertension
Underwriting Obesity
Underwriting Sleep Apnea

Here's our approach to Impaired Risk Cases

We know how frustrating Impaired Risk Cases can be.

The days of dedicated "Impaired Risk Carriers" are gone, so let us help you with...

Our 5-Step Approach for People with Health Issues:

1. Don't assume your Client won't qualify for Life Insurance. We've had success in obtaining affordable life insurance coverage for people with histories of:

  • Obesity
  • Diabetes
  • Heart Disorders
  • Stroke
  • Sleep Apnea
  • Hepatitis C
  • Depression
  • Smoking
  • DUI
  • and more..

2. Submit a Quick-Quote Request or you can call 800-842-8289 for a confidential discussion of your client’s needs and concerns, or send an email to: describing your case.

3. We will determine the best way to shop the case.

4. We'll shop for offers and get back to you with your client's options.

5. Take the app based on our assessment.

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Candidate for Impaired Risk Life Insurance

Impaired Risk Case Preparation Tips

Rapid turnaround is the result of thorough & thoughtful case preparation. When Impaired Risk Life Cases are presented, evaluated and priced quickly, everybody wins. By allowing the underwriters to concentrate on clients and medical histories, rather than sifting through documents and trying to organize pages, you get the answers you need in a timely and consistent fashion.

What makes an Impaired Risk Life Insurance Case “prepared”? The most important things are to:

  • Submit a cover memo attached to each case that explains the pertinent details in concise, to-the-point language.
  • Submit the entire case in chronological order, deleting duplicate pages. Good Impaired Risk Life Case preparation has a tremendous impact on our ability to review and evaluate cases. As we get more efficient, that efficiency is passed along to you in the form of faster service, and when that happens, everybody wins.

Here’s what makes a good cover letter: View 3-Steps to a Good Cover Letter

Tell us what the other carriers’ actions were, and why.

Tell us what you need to place the case (ratings and premiums).

Good Impaired Risk Case preparation helps you better gauge what rates are attainable.

  • Putting the case in chronological order helps us understand and get to know the client.
  • Tabbing or otherwise highlighting pertinent pages allows the underwriter to quickly get to the details.
  • As cases are presented electronically and documents are scanned, good case preparation will lead to faster turnaround! View/Print a PDF of the Case Preparation Tips

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What Is Impaired Risk Life Insurance?

High risk life insurance is actually just like any other type of life insurance coverage where a policy holder pays a premium in return for death benefit protection, and possibly a cash value or savings component (depending on what type of policy you purchase). The difference comes in how the policy is underwritten.

In this case, where one insurance company may use a particular set of underwriting guidelines when reviewing an applicant for coverage, another insurer may use a different set of guidelines altogether. Because of this, a person who has a pre-existing condition may be declined by one insurer, but accepted by another.  Why is that?

One way to think about it is just like any other industry in that the insurance business is very competitive. Because of that, different insurers must carve out specific customer – or in this case, policyholder – niches.

With that in mind, while one insurance company may have a focus on those insureds who are extremely healthy and can offer these individuals coverage at a very low price because they are a low risk, another insurer may opt to focus on higher risk applicants. In this case, even though the second insurer is taking on more risk, because it can charge more in premium, it can still balance out overall.  The same holds true when looking at life insurance for smokers.  Some companies avoid smokers as much as they can, charging exorbitant premiums.  Others take the extra time to evaluate each person to see what their lifestyle and habits will really do.  We want you working with the company that views you and whatever has made you “high risk” in the best light possible.

It is important to note that while the premium that is charged for high risk life insurance coverage is typically higher than for more Standard policies, this type of insurance is not completely unaffordable. In fact, many insurers today are making this coverage to where it can fit into a variety of different budgets. Therefore, it definitely pays to shop around for not just this type of coverage – but the right type of higher risk life insurance coverage for your specific situation and budget.

Let's have a look at your Challenging Case »