Impaired Risk Services
Impaired Risk: Never Say Never
If you have clients with pre-existing conditions, such as diabetes, epilepsy or even addiction, don’t despair! Disability Insurance Services specializes in securing affordable protection for even the most difficult cases.
Acceptable risks include:
- Alcoholism
- Angioplasty
- Antidepressant users
- Anxiety
- Arthritis
- Bipolar disorders
- Cancer
- Cerebral palsy
- Chronic fatigue syndrome
- Heart bypass
- Diabetes
- Drug abuse
- Epilepsy
- Fibromyalgia
- Hepatitis
- Lupus
- Kidney transplant
- Obesity
- Rheumatoid arthritis
- Sleep apnea
- Ulcerative colitis
Simplified Issue Available!
Tell previously declined clients "YES" with our simplified issue DI. Ninety-eight percent of applications are issued within 30 days. Here are the details:
~ No exam, blood work, HOS or inspection report
~ Own-occupation definition is available
~ Thirty, 60, 90 and 180 day waiting periods
~ Two-, five- and 10-year benefit periods
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| States Available | AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY |
| Provider Type | General Agency |
| Carriers | Varies |
| Carrier Ratings | A |
| Commission | Varies |
| Min Premium | Varies |
Coverages
Special Risks Insurance
Unique and One-of-a-Kind Risks Insurance
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Disability Insurance Services has other insurance programs like Impaired Risk Services Insurance
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