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 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

"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