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Impaired Risk Life Insurance

Impaired Risk Life Insurance

We Specialize in Specialized Risk!!

 

Tough Case?  You’ve Come to the Right Place.

 

The list below represent only a small portion of the specialized risk questionnaires we make available to our agents.  These forms can also be retrieved online by logging in to our website and visiting the Underwriting section of our website at www.dworkin.com.

 

Print and complete a General Purpose Impaired Risk Questionnaire (or any of the specific questionnaires available) then fax your request to (603) 332-0955 or email to dai@dworkin.com for a quick assessment.

 

Most Common Specialized Risk Questionnaires

 

Alcohol Questionnaire

Depression Questionnaire

Diabetes Questionnaire

General Purpose IR Questionnaire

Tobacco Questionnaire

Adjustment (Situation Depression) Questionnaire

Armed Forces Questionnaire

Aviation Questionnaire

Avocation Questionnaire

Build Questionnaire

Foreign Residence / Travel Questionnaire

Mental Disorders Questionnaire

Drug Use Questionnaire

Driving Violations Questionnaire
 

 

Impaired Risk Underwriter - Specialized Risk often refers to an Impaired Risk case where your client has a health issue (Heart attack, cancer, build, etc.) or hazardous occupation or hobbies (Race car driver, pilot, SCUBA diver, etc.) and will not qualify for standard and above class ratings.  We place some of the most difficult cases and insure Impaired Risk clients get the much needed coverage.  We have access to expert impaired risk underwriters to get you the best offer!  We have intimate knowledge of how each carrier treats impaired risk cases.

 

We look for the best option for your clients who have any impairment.  Our expertise is our ability to analyze your most challenging risks and negotiate as aggressively as possible for your benefit.  If you’re tired of letting your clients know they are declined or can’t get your client an affordable rate, contact DAI, we are here to help you.

 

States AvailableAL, 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Provider TypeGeneral Agency
CarriersVaries
Carrier RatingsA or better
CommissionVaries
Min Premium



Coverages

EandS (Substandard or Impaired-Risk) Life Insurance
Graded Benefit Life Insurance
Guaranteed Issue Life Insurance
Impaired Risk (EandS) Life Insurance
Individual Life Insurance
Life Insurance
Life Insurance (Graded Benefit) Insurance
Life Insurance (Guaranteed Issue) Insurance
Life Insurance (Term) Insurance
Life Insurance (Universal Life) Insurance
Life Insurance and Annuities Insurance
Ordinary Life Insurance (Whole Life) Insurance
Permanent Life Insurance
Senior Life Insurance
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Whole Life Insurance (Ordinary Life) Insurance


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