People with adverse medical histories or health conditions can have a difficult time obtaining life insurance coverage without the proper underwriting. Most Life insurance companies today, do have impaired risk-underwriting guidelines to evaluate applicants with certain health risks. However, with most impaired risk applications a grouped or bucket underwriting approach is applied, usually resulting in a declination.
With many of the medical advances in treating and controlling conditions such as asthma, cancer, coronary artery disease, depression, and diabetes just to name a few, the importance of underwriting on a per case or clinical basis is essentially the difference between a satisfactory offer or declination for the client.
We can help evaluate and find the best offer:
Atlas Underwriters has a strong network of insurance companies and experienced underwriters to shop and evaluate any impaired risk application.