Life insurance for high underwriting risks

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.

Life insurance for Divers

Life Insurance for Diabetics

Life Insurance for Climbers

Life Insurance for Foreign Travelers

Life Insurance for People with a High PSA

Life Insurance for People with a History of Drug Use

Life Insurance for People with Depression and Anxiety

Life Insurance for People Over 70

How people with Diabetes, heart disease, and many other medical conditions, can qualify for life insurance right now!

How divers and climbers – and men and women with other adventurous hobbies – can get good deals on life insurance.

Tips for people being treated for anxiety or depression on getting good rates for life insurance.

Gutentor Simple Text

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.

want to talk?

We’re interested in discussing your unique situation.