Impaired Risk

Having a medical condition can make it challenging but not impossible to get a Life, Disability, or Long Term Care Insurance policy.  We are experts in helping you find insurance coverage when others can't.  However, applying and getting formally denied could put a black mark on file for any future insurance policy applications.

The solution is to utilize an Informal Inquiry to find out if the insurance companies will underwrite your policy.  As such, we have an impaired risk questionnaire that will provide additional information to the insurance companies on your condition.  From this, they can provide some initial guidance as to if they will underwrite you.  Later in the informal inquiry process, the insurance companies will ask to look at your medical records to make a firmer assessment.  Please note, per the HIPPA Laws, no company and/or individual can review your medical records without your permission.

FOR IMPAIRED RISK QUOTES

Please complete the Impaired Risk Questionnaire below that applies to your condition (if you don't see one that applies to your situation, please complete the General Impaired Risk Questionnaire) and fax to: Owner Only Benefits / GA Insurance Solutions at 866.861.9130.  If easier, you can also email your responses to us.

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General Impaired Risk Questionnaire

Please use for:
Abdominal Aortic Aneurysm
Alzheimer's / Dementia
Angina
Asthma
Cardiac Arrhythmia
Depression
Emphysema
Epilepsy Seizure Disorder
Heart Attack
Heart Murmur
Hepatitis C
Hypertention
Multiple Sclerosis
Obesity
Osteoporosis
Parkinson's Disease
Rheumatoid Arthritis
Sleep Apnea
Stroke
Substance Abuse
Lupus
TIA (Transient Ischemic Attack)
Ulcerative Colitis

Specific Impaired Risk Questionnaires