No Is Never the Answer

Written By Jon Gold

Say YES to High Risk & Medically Impaired Applicants

Tell previously declined clients “YES” with our simplified issue DI. Ninety-eight percent of applications are approved and issued with no exam, blood work, HOS or inspection report.

Key advantages:

  • Anti-depressant users OK

  • Own-Occ. definition 30, 60-, 90- or 180-day waiting periods

  • Two-, five- and 10-year benefit periods

  • 30-day policy issuance

Are You Serving the Medically Impaired Market?

The medically impaired market is huge. If you’re not serving it, you’re leaving a large percentage of the workforce uncovered – and you’re missing out on commissions.

According to the CDC:

  • One in five U.S. adults has a mental illness.

  • 14.5% of people aged 12 and older have substance use disorder.

  • One in 10 Americans have diabetes.

  • 5.5% of Americans have been diagnosed with heart disease.

Nearly one in ten adults have been diagnosed with cancer. Many people with medical issues assume they can’t secure coverage. You can stand out and win business by showing that you can help these individuals protect their incomes.

Jon Gold
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