Impaired Risk, High Risk or Special Risk...
Whatever you call it, Persons with an imperfect Medical, Moral, Mental, Driving, or Substance Abuse history require your assistance, and we can frequently help you perform miracles, where others have failed.
All too often, you are presented with the dilemma that your Ideal Prospect for a large policy is definitely NOT a Preferred Risk.
If you are faced with such a problem, one of our Sub-Standard Underwriting Articles may be helpful to you in understanding and dealing with your client's challenging situation.
Remember: A Declination or Rating need not be a disaster. It may just be your opportunity to become a hero!
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