One of the key roles that an advisor plays in life insurance is helping clients who have health challenges, lifestyle factors or other “impaired risks” obtain the best possible life insurance offer.
For most clients, that means coverage that not only meets their individual protection needs and fits within their financial plan, but also coverage that can be secured in a timely manner.
But not all risks are created equal. Download this white paper to learn:
- How to take the right steps to help clients with impaired risks secure favorable coverage
- Best practices for developing a narrative and navigating the underwriting process
- Ways to advise clients with medical conditions or hazardous avocations, including trial applications and medical records
Throughout the life insurance process, financial advisors, brokerage partners and individuals seeking coverage can work together to find the right coverage by ensuring that carrier underwriters fully understand clients' health and lifestyle factors.
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