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Impaired Risk Medical Conditions
Or A Participant In A Hazardous Hobby
Impaired Risk quotes for term life insurance, instant term life
insurance, return of premium term life insurance
Do you Have A Medical Condition For
An Impaired Risk
or Participate
In A Hazardous Hobby?
Declined from other Life Insurance
Companies?
Click on the topic below to complete
an impairment questionnaire.
We
will respond within 72 hours.
Have
questions... Send an e-mail to the
"Doc" |
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Tobacco Usage Summary
Cigars
Negative Specimen (usually 4 days since last cigar)
Preferred Best Non-Tobacco with First Colony if less than 12
cigars per year.
Preferred Non-Tobacco with North American if not more than 2
cigars per month.
Preferred Non-Tobacco with Banner if less than 3 cigars per
year.
Standard Non-Tobacco with Empire General if less than 12 cigars
per year.
Positive Specimen
Preferred Non-Tobacco with U. S. Financial.
Pipes, Chew or Dip
Negative Specimen (usually about 5 days since last use)
Positive Specimen
Preferred Non-Tobacco with U. S. Financial
Cigarettes
U. S. Financial will consider Preferred Non-Tobacco for up to 6
cigarettes per day depending on the client’s past smoking
history.
Nicorette
Positive Specimen
U. S. Financial will consider up to Preferred Non-Tobacco on a
case-by-case basis.
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Related Information
 Application underwriting your life insurance policies
Determine your underwriting classification
Decision chart could help you decide the type of life
insurance to purchase
TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in
the following states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE, District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
Virginia - VA, and
Wisconsin - WI.
Not all insurance products from all insurance companies are available in
all states.
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