Info for Brokers and Advisors
Types of Impaired Risk Cases
We have a very broad definition of "Impaired Risk." On one hand, it includes traditional cases that have been declined or rated, due to medical condition or history. Yet, it also involves people who have had trouble getting optimum rates, due to citizenship, lifestyle or other personal factors. Basically, any applicant who has not qualified for "preferred nonsmoker rates" has a fighting chance with us of getting a competitive premium.
Here is just a sampling of the types of cases we handle:
Smokers and Tobacco Users
People who smoke cigarettes, cigars or pipes, or who chew tobacco.
History of Serious Illness
This includes cancer, diabetes, heart disease, crohns disease/colitis and depression and many other health conditions.
History of Drug Abuse or Alcohol Abuse
This involves prior use, treatment and rehab.
Commercial pilot, firefighter, military, and law enforcement are all included.
Scuba diving, car racing, and amateur flying are among the sports on this list.
Prior felony convictions, DUI and multiple moving motor vehicle violations are the problems here.
Citizenship of a Foreign Country
China and Pakistan are high on the list, as are several other countries.
Extensive Foreign Travel
Could be for work or recreational purposes.
This means same-gender owner and beneficiary designations.
People with these characteristics typically cannot get preferred nonsmoker rates from conventional sources. Please, call (201) 796-8142 or
Steve Kobrin if you need a second opinion.