Diversified Insurance Brokers specializes in the impaired risk life insurance needs of your customers.
We can help you place your RATED, Declined, and Postponed cases!
For example, we can work with you to get coverage for the following health conditions below, and many more, so you have the life insurance product necessary to protect your customers.
Email Jason@dibcompanies.com or Jarad@dibcompanies.com
Visit our list of health questionnaires HERE complete the correct form and we can shop your client through our many carriers to find the best product for your client.
Click here to submit an impaired risk life insurance proposal request.
Please click on specific condition below for more detailed information!
How Impaired Risk Life and High Risk Life Specialists Find Life Insurance for Those With Medical Conditions?
Life insurance companies will not give a super preferred or preferred premium rate for potential insureds that have higher risk health conditions, such as those listed below.
These Are Not All Inclusive Conditions.
Obesity, Cancer, Diabetes, Alcohol Addiction, Drug Use, Depression, Stroke, Hypertension, Tobacco Usage, Hepatitis C, Heart Disease, Lung Disease, Habitual Life Styles and Certain Driving Records.
The insurance agent will not be able to obtain the best premium rate for a client without the impaired risk and high risk life insurance specialist.
Diversified Insurance Brokers, Inc. has over 100 years combined staff experience within the impaired and high risk life underwriting area, going back to 1980.
Insurance agents working with our life underwriting impaired risk specialists can help find coverage for these potential insureds with regard to health condition, and regardless of age, in nearly 100% of cases. We know which insurance companies are more favorable to certain impaired risk life conditions. We also offer a quick turnaround, with a tentative quote from insurance companies to present to agents’ customers. The size of the impaired risk life case does not matter to the impaired risk life specialists in our office.
Premiums charged for impaired risk or high risk life insurance will be higher than preferred rates, but they can still be affordable for the coverage selected. When working with our company we help place the insured into the best possible position and option to make the coverage affordable. With just one phone call to our office, we will shop the case for the best impaired risk or high risk life offer possible. One insurer may want to focus on lower risk, low priced insureds; the next insurer is willing to take more risk with charging more for impaired risk or high risk life potential insureds.
Requesting a Life Quote for Impaired Risk Life Clients
- Only an underwriter can determine who will or will not qualify based on their health conditions.
- Fill out the application and attach any medical records, as well as have your clients’ doctors send the medical information when requested from the insurance company.
- Email jason@dibcompanies.com or margaret@dibcompanies.com.
- We will take your information and contact all the insurance markets simultaneously and directly for the most accurate, tentative quote for your client. We have numerous in-house life insurance underwriter specialists who will determine which carrier has the best option.
- All quoting, case submission to our office, tracking and follow up by our individual case managers, tentative offers and contacting you on the status of a case is done by our office, which is your back office, and at no cost to you.