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As far as impaired risk is concerned, options are Fidelity, Assurity Graded, and Illinois Mutual depending on what state you are writing in. They are ...
As far as impaired risk is concerned, options are Fidelity, Assurity Graded, and Illinois Mutual depending on what state you are writing in. They are generally more expensive, and some options are more limited than others.
And YES there are markets for just about everything!
I am also a 2 time TOT producer in my own right with 85% of my sales from DI.
The problem is that often clients are mis-lead as to expectations by their own agents. This is not a devious collection of deeds by producers, it is just the reality that many producers assume eveything will be okay and would rather then blame the carrier for coming back with a modified policy.
Many times a person with some health issues is actually an easier sale as they already KNOW they have health issues. A person who is "perfect" is less likely to even talk if there is any modification of coverage.
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