Declined for Life Insurance? Let the power of Clinical Underwriting work for you (Impaired Risk)!

If you have been declined for life insurance or "rated", it was probably because the company that you applied with was going by an industry standard book called the "Cologne Manual"...

If you (or whoever you are shopping for) have been declined, adversely rated, or deemed to be an impaired risk upon application to a life insurance company due to conservative underwriting, there ARE options for you.  In the life insurance industry, there are hundreds of life insurance companies who have adopted more liberal underwriting philosophies.  These life insurance companies vary in AM Best ratings.  Personally, I would not advocate that you do business with any insurance company that is rated less than A-.  Looking at the company's rating will weed out the good from the bad.  Among these various companies, there exist companies who specialize (or are after) preferred risks, impaired risks, cheap term life, cheap Universal life, Whole Life, Variable Life, and on and on.  If you have an impairment like diabetes, heart disease, cancer, etc you need to be advised of the "liberal" yet highly rated companies out there.  Even if you have been declined for life insurance, there are plenty of highly rated companies that will cover you for a reasonable price.  At very least and as a last resort, you could look at getting a "guaranteed issue whole life" (see "the difference between term, universal life & whole life" section).

How to apply, what is the price?  Contact me.  There is no other way to shop for an accurate price online unless you are a trained, specialized agent.  Agents who can tell you where you best fit among the many companies out there are specialists in "underwriting".  I am in contact with a diverse crowd of underwriters and am an underwriter myself.  I have been trained and have years of experience in underwriting.  Ask me...I can evaluate your risk and  professionally shop the industry for you.