Impaired Risk Life Insurance

Access Underwriting Guides & Case Studies for Several Common Conditions





What Is Impaired Risk Life Insurance?

High risk life insurance is like any other type of life insurance coverage where a policyholder pays a premium in return for death benefit protection, and possibly a cash value or savings. The difference is in underwriting of the application.

Where one insurance company may use a one set of underwriting guidelines when reviewing an applicant for coverage, another insurer may use a different one altogether. A person who has a pre-existing condition may be declined by one insurer but accepted by another. The insurance business is very competitive, and different insurers carve out specific customer – or in this case, policyholder – niches.

While one insurance company may focus on extremely healthy people and can offer coverage at a very low price because they are a low risk, another insurer may opt to focus on higher risk applicants. Even though the second insurer is taking on more risk, because it can charge more in premium, it can still balance out overall. 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.

While the premium charged for high risk life insurance is higher than for more Standard policies, this type of insurance is not completely unaffordable. Many insurers today are making this coverage to where it can fit into a variety of different budgets. It 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.

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We understand that getting Life Insurance on people with less-than-perfect health histories can be a frustrating process and the days of dedicated Impaired Risk Life Insurance Carriers are behind us. This doesn’t mean that opportunites to obtain Life Insurance on these people don’t exist. On the contrary, a number of favorable underwriting niches for specific conditions exist throughout the industry. You have to know where to find them. We do.

For instance, a certain carrier may treat people with histories of Breast Cancer more favorably than others do. The same may be true for Diabetes or any number of other conditions. We field questions like these on a daily basis and have developed a process for arriving at solutions for some of the toughest cases that come our way.

Here’s 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.

Let’s have a look at your Challenging Case »


235 Mountain Road #609
Suffield, Connecticut 06078
800.842.8289  |  860.693.4999
Fax: 860.693.4547

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