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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.
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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, 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 or better |
| Commission | Varies |
| 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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Dworkin Associates, Inc. has other insurance programs like Impaired Risk Life Insurance
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