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Whole life insurance Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Because of the lifetime coverage period, whole life usually has higher premiums than term life. Policy premiums are typically fixed, and, unlike term, whole life has a cash value, which functions as a...

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.

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...

...burial expense insurance or senior life insurance is an ideal investment for t...an senior citizen, having any form of life insurance is important. Final Expense Life Insurance is a unique policy in how it is ...

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...

...g clients in Roseland, New Jersey, life insurance remains one of the most impo...client’s age, gender, health history, lifestyle habits like smoking or drinkin...

... a broad brush it is all about any life insurance applicant that doesn’t neces...be a good candidate for Impaired Risk Life Insurance and want them to be treated as a...