El DeBarge, “I want the world to know that everybody deserves a second chance.”
Whom do we serve:
- Affluent client relationships with an impacting medical history and access to quality clinical care.
- Affluent client relationships with a significant and clear need for life insurance coverage.
- Affluent client relationships with a projected minimum annual premium tolerance of $25,000.
Have you ever applied for a life insurance policy for estate planning, charitable planning, or business planning and the case could not be placed? Would you like to potentially lower your existing premiums but would be considered medically impaired?
Would you like to increase your overall coverage but now have an impacting medical history?
We have a process that can potentially get you an approval. Obviously, there is no guarantee that it will be successful, but we have had multiple instances where we were.
We have a process that has proven to be quite valuable in many of these types of cases: Risk Differentiated Underwriting (RDU). RDU professionals work directly with a client’s corps of physicians to amplify specific idiosyncrasies of a clinical impairment in order to favorably separate your risk from an otherwise typical actuarial grouping. We prompt your physician to become an active participant (and your advocate) in the underwriting process rather than just the mere provider of medical records. Our close working relationships with the underwriting departments of many well-known carriers position us favorably when it comes to achieving extraordinary underwriting results. While there is no guarantee our process will lead to an approval, we have many client relationships that can attest to the success of the program.