Agent's Comprehensive Guide to Writing Impaired Risk Life Insurance

Learning how to write impaired risk cases or hard-to-place life insurance cases is a scary proposition for many agents and, because of this, many clients are unfortunately underserved.

Redbird’s Ultimate Guide to Impaired Risk and Hard to Place Cases is a one-stop resource for the critical questions required by underwriters. The last thing we want you to do is submit an incomplete application and risk your client being denied coverage simply because you didn’t have access to the right information ahead of time. Plus, this 35 page guide is completely free for licensed agents, so take full advantage now!

This guide has three sections—background, conditions, and avocations—and includes 39 detailed questionnaires on common issues you will face in the field. In some cases you may need to fill out multiple questionnaires based on the client’s health. (TIP: send your completed questionnaire to Redbird and we will shop the options for you).

This guide is about helping you lower the risk your client will be denied coverage or otherwise rated. Asking the right questions sets your client up to get stronger offers and gives them the confidence they are working with the right agent. Many times we hear from agents because they’re not sure how to move forward when faced with a pre-existing condition / avocation.

Below is a list of the conditions / avocations that often trip up agents when trying to get life insurance for their clients. Our comprehensive guide addresses each one of these in detail. Don’t hesitate to call us if you run into a hard-to-place case… we can help.