Life Insurance Policies for Applicants Who Pose A Higher Underwriting Risk

Life insurance for men and women who represent a higher underwriting risk due to health, lifestyle, personal record, or other factors.

You can purchase a competitively priced policy through a highly specialized “impaired risk” brokerage and consulting team.


  • Virtually all underwriting risks can be covered.
  • Face amounts range from $100,000 to $100,000,000+.
  • All applicants are prequalified for coverage, so applications can be approved at the rate quoted.
  • A senior financial consultant provides personalized, high-end service to every client, to ensure satisfaction.
  • Attorneys, accountants, and financial planners are available to help design complicated policies, at no charge.

Interested in discussing your unique situation? Contact us for details and to get started.

man walking tight rope high risk

Ideally suited for applicants who represent risks such as these:

  • Addictions: Recreational drugs; prescription drugs; gambling; alcohol; sex.
  • Application history: Declined or rated on prior applications.
  • Criminal record: Charges; convictions; time served; probation.
  • Health issues: Includes everything from neurological to psychological; from immune system deficiencies to build/weight.
  • Hobbies/avocations/occupation: Rock climbing; mountain climbing; scuba diving; parachuting; extreme sports; and many other adventurous pursuits. Higher-risk job duties, environment.
  • Medical exam issues: Aversion to needles; hard to draw blood.
  • Medical records issues: No current records available; inconsistencies and inaccuracies in medical records.
  • Motor vehicle record: Excessive points; license suspensions; DWI.
  • Policy funding: Premium financing; corporate sponsorship; sale of existing policies.
  • Travel: Job-related; leisure; missionary.

Are You Hard to Insure Due to:

Medical Issues?

Are medical issues such as pre-existing conditions, diabetes, hepatitis, or a history of cancer making it harder for you to get insured?

Learn more about how we can help you get insured regardless of medical issues.


Depression or anxiety doesn’t have to be a deal-breaker when it comes to getting life insurance. It can be tough, but it’s not impossible.

Learn more about how we can help men and women get insured even with a history of depression or anxiety.

Adventurous Activities?

Ever try to buy a policy for your family, but found brokers were quoting you ridiculous rates due to your scuba, piloting, or climbing hobby or avocation?

Learn more about how we can help you get insured despite your adventurous lifestyle.

Being Over the Age of 70?

Are you over the age of 70 (with medical problems and other pre-existing conditions) and need to obtain a life insurance policy to remain in compliance with a loan?

We’re up to the task of getting you insured. Find out how.

Interested in discussing your unique situation? Contact us for details and to get started.