Impaired Risk Life Insurance In California & Nevada

What Is Impaired Risk

Call us at 818-926-3208 or 877-224-0477

When an individual applies for life insurance, after investigation, examination, and review of medical records, a company makes a determination as to the client's classification which could be:

Super Preferred
Preferred
Standard
Standard with table ratings
Declined

A standard with table rating means an impaired risk case. These are those individuals who may have some of the conditions as listed earlier. Companies do not always treat medical conditions equally. Some companies will not even consider certain disorders; other companies are very comfortable with that same ailment. It is our job to determine which companies to present our case to for the most favorable outcome for our client.

Many times we have taken highly table rated cases and have them reduced down to a smaller table rating, thus lowering the premium for the client. And in some cases, we have been able to take a declined case to another company to obtain coverage.

And so, even if you have been highly rated or even declined at some point in your life, medical science and research is always improving these situations, and what may have been a decline early on, could possibly be treated favorably today.

Click below to learn more on how you can have your case reviewed by Life Insurance Solutions:

How Do I Get Started?

Contact Us:
   Email: info@lifeinsurancesolutions.biz
   Toll Free: 877-224-0477
   Fax: 877-224-0477
   CA License Number 0697588