Disability Insurance Services

Impaired Risk Disability Insurance: Never Say Never

impaired-risk-disability-insuranceIf 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 bypass
  • 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

disability-insurance-for-medically-impaired

"What an absolute pleasure it has been working with Disability Insurance Services. My underwriter held my hand through the entire case and made it very simple for me. I will always bring you any prospects I run across. Thanks again for everything."

Nathan Schmid,
Insure America, Chula Vista, CA

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