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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...

Single Premium Universal Life You worked hard to accumulate wea... for or until retirement, Select Term Life can provide peace of mind.

Life Insurance Services The Life Department at UMS offers agents a proa...ts to suit the needs of clients (i.e.-Life w/LTC riders, Life w/Disability) •Assistance se...

Universal Life Insurance with Living Benefits We are a pioneer in offering Universal Life with one of the most comprehensive Liv...ortability Convertible to Universal Life

...work through NBP Distributors Life Insurance •Permanent Term •Universal Life •Whole Life •Term Life •Group Term Life •GI / CGI / SI •LTC Ride...

...efits: Guaranteed Universal Life Whole Life Intra-sensitive Whole Life 20 Year Term Short Term Disa... Legal Identity Theft Pet Insurance Auto & Homeowner C...

...efits: Guaranteed Universal Life Whole Life Intra-sensitive Whole Life 20 Year Term Short Term Disa... Legal Identity Theft Pet Insurance Auto & Homeowner C...

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...

...-focused distribution platform for Life, Long-Term Care (LTC), Senior Health, ... offers pre-underwriting services for Life and LTC and has resources for impaired-risk life underwriting to improve placement c...

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.