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...cy is designed to offer children permanent, affordable life insurance protecti...he premium then remains level for the lifetime of the child. Benefits (Policy...

...r Renewable & Convertible Term Life Insurance We know that it is impossible for life insurance to emotionally compensate fo...l. Policy is convertible to a whole life insurance policy before the policy anniver...

... •Conversion to individual permanent policy, without medical underwritin...e or children. •Supplemental Life: Used in conjunction with group term life, supplemental coverage helps increa...

...oke Guaranteed renewable for life, subject to change in premiums by clas...

...4) APL’s D-4 Group Dental Insurance may be the perfect answer to your g...

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...

...ependents. Because the policy is permanent insurance, it is an asset with value that can...

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.

...ility. You buy the amount of permanent coverage you need now and attach a ..., or OPAI. Then, at specified ages or life events such as marriage and the bir...

Split Dollar Life Insurance Split dollar life insurance is an arrangement between an... an interest in the cash value of the life insurance policy. Reverse split-doll...