Covering Clients With A Health History

Covering Clients With A Health History

Disability Insurance is an essential part of any financial plan. Unfortunately, some individuals are not able to qualify for traditional disability insurance due to health history. But don’t let them go on without coverage – there is a solution that is available to your clients with a health history.

If your clients aren’t considered preferred risks or don’t retain ‘squeaky-clean’ medical histories, their DI policies stand to be subject to health related exclusions or even more frustratingly, outright declination of coverage.

The Graded Benefit DI plan provides a comprehensive, cost-effective solution for your hard-to place or impaired risk DI cases.

Some medical conditions are controllable with proper medical care or with diet and exercise. When medical records provide evidence that a condition is well controlled, full coverage can be offered from the inception of the policy.

This Graded Benefit product is designed to provide true own-occupation disability insurance to those whose health concerns traditionally preclude them from acquiring any disability insurance or at the very least DI without medical exclusions.

Plan Features:

  •         Covers 65% of income up to $20,000 per month
  •         Elimination periods of 60, 90, 180 or 365 days
  •         Benefit periods of 36, 48 or 60 months
  •         Impaired Benefit levels of 50%, 65% or 80%
  •         Benefit levels remain constant from day one of the policy
  •         Own occupation including specialties
  •         Residual and COLA riders
  •         Consideration of the removal of additional medical exclusions!
  • Addison’s Disease
  • Aneurysm
  • Angina
  • Angioplasty
  • Ankylosing Spondylitis
  • Anxiety
  • Aplastic Anemia
  • Arteriosclerosis
  • Attempted Suicide
  • Cancer
  • Cardiomegaly
  • Cerebral palsy
  • Chronic Fatigue Syndrome
  • COPD
  • Coronary Artery Disease
  • Crohn’s Disease
  • Diabetes
  • Elevated Liver Enzymes
  • Epilepsy
  • Factor V Leiden
  • Fibromyalgia
  • Gastric Bypass
  • Heart Attack
  • Heart Bypass
  • Heart Valve Replacement
  • Heart Murmurs
  • Hepatitis
  • Hodgkin’s Disease
  • Idiopathic Thrombocytopenia
  • IGA Nephropathy
  • Kidney Transplant
  • Lupus, Discoid
  • Meniere’s Disease
  • Multiple Sclerosis
  • Narcolepsy
  • Obesity
  • Osteomyelitis
  • Pacemakers
  • Pancreatitis
  • Paraplegic
  • Peripheral Vascular Disease
  • Poliomyelitis
  • Psoriatic Arthritis
  • Rheumatic Heart Disease
  • Rheumatoid Arthritis
  • Sarcoidosis
  • Sleep Apnea
  • Stroke
  • Tourette’s Syndrome
  • Tuberculosis
  • Ulcerative Colitis
  • . . . . and more!

We have remained dedicated to securing protection for your clients for over 41 years. Please contact your Disability Insurance Specialist for additional information about this Graded Benefit DI program.