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Term life insurance provides coverage at a fixed...#8211; including money to cover the mortgage payments. But there’s more....

Life Insurance Riders Riders are amendments which can be added to a life insurance contract. Attaching riders to a life insurance policy before it is purchase...izing the universal policy with whole life insurance. So long as the policyholder ad...

We Specialize in Specialized Risk!! Tough Case? You’ve Come to the Right Place. The list below represent only a small portion of the specialized risk questionnaires we make available to our agents. These forms can also be retrieved online by logging in to our website and visiting the Underwriting section of our website at www.dworkin.com. Print and complete a General Purpose Impaired Risk Questionnaire (or any of the specific questionnaires available) then fax your request to (603) 332-0955 or email to [email protected] for a quick assessment. Most Common Specialized Risk Questionnaires Alcohol Questionnaire Depression Questionnaire Diabetes Questionnaire General Purpose IR Questionnaire Tobacco Questionnaire Adjustment (Situation Depression) Questionnaire Armed Forces Questionnaire Aviation Questionnaire Avocation Questionnaire Build Questionnaire Foreign Residence / Travel Questionnaire Mental Disorders Questionnaire Drug Use Questionnaire Driving Violations Questionnaire Impaired Risk Underwriter - Specialized Risk often refers to an Impaired Risk case where your client has a health issue (Heart attack, cancer, build, etc.) or hazardous occupation or hobbies (Race car driver, pilot, SCUBA diver, etc.) and will not qualify for standard and above class ratings. We place some of the most difficult cases and insure Impaired Risk clients get the much needed coverage. We have access to expert impaired risk underwriters to get you the best offer! We have intimate knowledge of how each carrier treats impaired risk cases. We look for the best option for your clients who have any impairment. Our expertise is our ability to analyze your most challenging risks and negotiate as aggressively as possible for your benefit. If you’re tired of letting your clients know they are declined or can’t get your client an affordable rate, contact DAI, we are here to help you.

...g general agencies (MGAs/UGAs) Life and group health agents/brokers Re...ents, specialty producers, MGAs/UGAs, life/group health brokers, and reinsurance brokers — including accounts tha...

A Life Settlement is a financial transaction in which the owner of a life insurance policy sells an unneeded pol...s the value by selling their existing life insurance policies and receiving a cash se...

Life Insurance The policy could be a term policy, whole life (or a variation of whole life such as 20 year payment life, or life paid up at 65), endowment, universal life, or some other type. The type of polic...with greater flexibility. A universal life insurance policy also earns cash value and...

When choosing a life insurance policy for a child, there ar..., or OPAI. Then, at specified ages or life events such as marriage and the bir...

Guaranteed Issue Life Insurance Guaranteed issue life insurance (or Guaranteed Issue Whole Life) requires no physical examination or l...lues within the plans. Guaranteed life insurance may be sold per unit. In such ca...