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COVERAGE FOR JUST ABOUT EVERYONE
AT A PRICE YOU CAN LIVE WITH!

Have you been told that you could not get life insurance and thus were uninsurable because of a health problem or because you profession was considered to risky? Have you been denied insurance in the past? Has your policy been rated. Are you paying very high premiums for your present plan?

Do you have a health history that may include diabetes, cancer or other disease or do you have a past drug or alcohol problems? Have you been told that your profession is too risky to get life insurance?

M.C.D. Financial Services' Impaired Risk Life Insurance Division says no problem! If you have the reputation of being “uninsurable” we can help you get life insurance coverage through our proprietary impaired risk life insurance search process.

The process is simple and there is never any cost to you unless you are satisfied with the final results of your life insurance plan! Using our many years of experience in impaired risk life insurance, we have developed processes which allows individuals with present or past health issues or who are in a profession considered too risky, to get approved for the life insurance plan they need. Your new plan through this impaired risk life insurance process can be approved on a preferred, standard or impaired risk basis while keeping cost as low as possible.

Not only that, we know that your time is precious and our screening process is fast, simple and free. Impaired risk life insurance is our specialty. Don’t just apply anywhere and everywhere and have your records tainted with an unnecessary negative mark (see below.)

BEWARE - Just like with your credit report, every time you get turned down or rated for insurance it shows up on your MIB (Medical Information Bureau. More on MIB) report. What goes on that report is important. You want to avoid certain bad marks as much as possible as it may negatively affect, reduce or eliminate your impaired risk life insurance options. We cannot guarantee that you will not be declined, but our prescreen system allows us to find companies that are interested in approving you.

Working with Impaired Risk Life Insurance.

If you have or have had a medical condition, such as heart disease, by-pass surgery, cancer or diabetes, give us a try. We represent a large number of insurance companies that specialize in impaired risk life insurance. see who can be covered with impaired risk life insurance

We know that the “uninsurable” are tired of filling out insurance forms just to be denied or highly rated time and time again. That is why we will shop the coverage for you with a confidential informal inquiry.

Click here for FREE Impaired Risk quote. One of our professional Insurance Agents will contact you to explain your best available choices, based on your specific needs and situation. You will not need to meet with anyone. We do all the work by phone, fax and/or e-mail.

Request Your Free Insurance Quote

NOTE: While most cases are approved after application we do not guarantee that you will be approved for the plan applied.If declined, we may offer you alternative plans for the same or lower value and if available, some individuals who are declined can sometimes reapply at a later date. Also, most companies will give you or your doctor full reasons and medical findings upon request. Also note that for people traveling to some countries considered high risk, no plan may be available at all.

Questionnaires: Heart, cancer, depression, diabetes, drug/alcohol use, hepatitis, stroke, gastro/intestinal, asthma, pilot