We haven't been sitting still during our first 50 years. During that time, we learned what it is that underwriters need in order to make a proper decision. The links below will share much of that knowledge with you. You will be able to take our underwriting questionnaires and gather the information that will help get your case quoted correctly then get the policy issued as quoted. If you want to look at a case the way the underwriter does - go to Underwriting 201. Finally - if all else fails there is always Guaranteed Issue Life.
Ask the Right Questions
With an impairment these questionnaires will help you gather details that allow us to more accurately illustrate the case.
From The Underwriters Perspective
Learn more about impairments that result in a rating and why writing a cover letter is important to big cases or clients with impairments.
When All Else Fails
If your client is truly uninsurable, there is still one option. Guaranteed Issue. No Health or build questions and your client can not be declined.
You are just a click away from the fastest quote engine around. Just click and quote either Level Term or Guaranteed UL
We offer all of the major annuity companies, so we are able to illustrate the most competitive products for your clients. Why go anywhere else?
We strive to deliver illustrations within 30 minutes from the time we receive the request. Give us the specifics and we will get your illustration for you.
When the all else fails, there is always Guaranteed Issue Whole Life. Ages 40 thru 80. Up to $40,000 coverage. NO HEALTH QUESTIONS.