High Risk Underwriting

As an independent insurance brokerage, we specialize in assisting individuals with high-risk factors in obtaining life insurance coverage. Here’s how we can help:

Expertise in Underwriting: Our team has extensive knowledge and experience in the life insurance industry, including underwriting guidelines and requirements. We understand how different insurance companies assess risk and can navigate the underwriting process effectively.
Access to Multiple Insurance Companies: We work with a variety of insurance carriers, giving us access to a wide range of products and underwriting standards. This allows us to shop around and compare policies from different insurers to find the most suitable coverage for our clients with high-risk factors.
Risk Assessment and Prequalification: We assess our clients’ risk profiles and prequalify them for coverage based on their individual circumstances. We review factors such as health history, lifestyle habits, occupation, and other risk factors to determine which insurance companies are likely to offer the most favorable terms.
Customized Solutions: We tailor insurance solutions to meet the unique needs and preferences of our clients with high-risk factors. We consider factors such as coverage amounts, premium affordability, policy terms, and additional benefits to design customized insurance plans that provide adequate protection.
Negotiation and Advocacy: We advocate on behalf of our clients during the underwriting process. We communicate with insurance underwriters to provide additional information, address concerns, and negotiate favorable terms to improve the chances of approval and obtain the best possible rates.
Policy Comparison and Education: We help our clients understand their insurance options by providing detailed explanations of policy features, benefits, and limitations. We compare multiple policies from different insurers, highlighting differences in coverage, premiums, and underwriting requirements to empower our clients to make informed decisions.
Ongoing Support and Service: We provide ongoing support and service throughout the life of the insurance policy. We assist with policy management, changes, and updates, as well as claims assistance and beneficiary support to ensure our clients’ needs are met over time.

By leveraging our expertise, access to multiple insurance companies, and personalized service, we help our clients navigate the complexities of high-risk underwriting and secure the protection they need for themselves and their loved ones.