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...nsurance The policy could be a term policy, whole life (or a variation of ...with greater flexibility. A universal life insurance policy also earns cash value and...

...surance Coverage availability, terms, conditions, limits, and eligibility ...

...) effectively converts an ordinary term life insurance policy into ROP life insurance. At the conclusion of the term of coverage, if the insured is still a... if the insured comes to require long-term care. This may or may not coincide...

...stribution platform for Life, Long-Term Care (LTC), Senior Health, Dental, Ann... 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.

...e newly developed riders or a long term care rider can provide policyholders w...ath benefits before they die. Some insurance companies offer the benefit as p...

Survivorship Life Insurance Survivorship Life Insurance, also known as Joint and Survivor Life Insurance or Second to Die Life Insurance, are insurance policies that...anning. By removing the proceeds of a life insurance policy through the use of giftin...

...cy coming from the benefit of long-term investment strategies Whole Life for Children: More Than Just Death Ben..., or OPAI. Then, at specified ages or life events such as marriage and the bir...

...sary to secure capacity or broader terms. Why Work With Citadel Insurance Services As a wholesale broker w...n all states?Yes. Our Environmental Insurance program is available nationwide,...

...nd pollution exposures, as well as life and health agents and fiduciary risks...., and pollution exposures, as well as life and health agents and fiduciary-rel...