Disability Insurance Products
Impaired Risk: Never Say Never
If you have clients with pre-existing conditions, such as diabetes, epilepsy or even addiction, don’t despair! Disability Insurance Services specializes in securing affordable protection for even the most difficult cases.
Acceptable risks include:
- Alcoholism
- Angioplasty
- Antidepressant users
- Anxiety
- Arthritis
- Bipolar disorders
- Cancer
- Cerebral palsy
- Chronic fatigue syndrome
- Heart by-pass
- Diabetes
- Drug abuse
- Epilepsy
- Fibromyalgia
- Hepatitis
- Lupus
- Kidney transplant
- Obesity
- Rheumatoid arthritis
- Sleep apnea
- Ulcerative colitis
Simplified Issue Available!
Tell previously declined clients “YES” with our simplified issue DI. Ninety-eight percent of applications are issued within 30 days. Here are the details:
- No exam, blood work, HOS or inspection report
- Own-occupation definition is available
- Thirty, 60, 90 and 180 day waiting periods
- Two-, five- and 10-year benefit periods
Broker Links
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