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High Risk Disability Insurance

"Healthy people" sometimes take for granted the ability to easily obtain important coverage to protect themselves and their family. Sometimes they wait until it is too late. Others may never get the opportunity to have these choices.

You, and even your doctor, may consider you to be healthy, but because of a health condition, a combination of conditions, or your physical build you may have been declined for coverage from other companies.

We may be able to help as long as you've been working at least 30 hours/week for the last 12 months.

How can we do it?

We'll limit the amount of coverage you can get as well as grade the benefit. Benefit grading allows you to get protection while still providing protection to the insurance company as well. The company will limit your benefit to 35% in policy year one and 70% in year two. This limits the risk of someone going on claim before they've paid their fare share of premiums.

The benefit period is also limited to 2 or 5 years. By making these adjustments we may be able to offer you an affordable premium.

If you are interested in this type of coverage fill out the info/quote request and let us know your medical condition(s) and that you want to consider the high risk or graded benefit coverage. These products are not always available, but if it is, then we will do our best to get the information for you.

It will cost you the same no matter where you buy, so when you make your decision, please support our site and make your purchase here. Thank you!