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Single Premium Universal Life You worked hard ...ficiary that avoid probate. -Premiums that never increase. -No...

...3 2235 9.3821 Single Premium Universal Life A single premium Universal Life Insurance poli...d minimum cash value that equals the single premium so as to ensure the initial investment is protected. Single premium plans can also be rigid, with the...

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.

...r can no longer afford to pay the premiums. It gives policy owners the abilit...

...be sold per unit. In such case, a single unit corresponds to a certain amount ...th benefit. Just how much coverage a single unit provides depends on the age o...

...ost policies require much smaller premiums, which means that you can make affo...al life insurance policies where the premiums are expensive. Seniors Protec...

... Whether your client operates a single location or a regional group of facil...ng on the state. What is the minimum premium for this program?Minimum premiums vary based on the size, location...

Chronic Illness Insurance Did you know that you could use your life insurance to meet chronic illness and other expenses? Changes in federal tax laws have made the prepayment of death benefits under a life insurance policy possible. Most new life insurance policies have a feature or rider, which provides access to a part of the death benefit, which can then be used as living benefits. Chronic illness means inability to perform at least two activities of daily living (eating, bathing, continence, dressing, using the toilet, or transferring) or severe cognitive impairment that requires substantial supervision from another person to protect from threats to health and safety. A life insurance policy with one of these newly developed riders or a long term care rider can provide policyholders with benefit payments to help cover their care. With long term care riders and others that offer additional benefits, an insured suffering from a permanent chronic illness can gain access to his or her cash value plus a portion of the “net amount at risk” (difference between the death benefit and cash value). The portion of the net amount at risk that can be advanced depends on the policy and the insured’s age at onset of the chronic illness. Generally an individual would need to wait for sometime before benefits can be obtained. However some states have laws that prohibit such waiting periods. The insured can use the benefits in any way they want, regardless of actual expenses incurred for treating the chronic illness. Such policies may not work if you have limited financial means or if you are on Medicaid. Such policies build value making them an asset that could prevent clients from Medicaid eligibility. Accelerated Death Benefit If you should become seriously ill you may accumulate some very large medical expenses. Some life insurance companies have made it possible to collect an accelerated death benefit during your lifetime if such a condition should arise. What these companies are doing is allowing the insured to collect part of their death benefits before they die. Some insurance companies offer the benefit as part of a policy, with the additional charge built into the death benefit cost. Others make the benefit a rider, also for an additional charge. Accelerated payments made to the beneficiary can be made in monthly installments or in a lump sum, depending on the company. Upon the death of the recipient, or policy owner, the balance due goes to the beneficiary.