Faster, more flexible underwriting for clients with health conditions, helping to ensure accessible coverage for all.
Why choose us for your impaired risk cases?
We understand that not every client fits into a standard underwriting mold. Our improved impaired risk solutions provide faster, more flexible and more competitive underwriting for individuals with health challenges — helping to ensure every client has a chance to secure meaningful protection.
Key enhancements to support impaired risk cases
Quick Quote service enhancements
- Faster 48-hour turnaround time for pre-assessments.
- Email-based Quick Quotes: QuickQuotes@LGAmerica.com.
- Streamlined digital submission process.
More competitive underwriting
- Blended rating approach for co-morbidities instead of stacked ratings.
- Improved pricing at Table 4 — often better than competitors' Table 2.
- Sweet spots for numerous conditions, including controlled hypertension, mild asthma, depression and more.
What's in it for you?
Faster approvals
Quick Quote enhancements reduce the time needed for pre-assessments.
Better client outcomes
More competitive pricing ensures greater accessibility to coverage.
Greater underwriting transparency
Improved communication and direct access to expert underwriters.
Connect with your team to learn more
Our team is here to provide guidance, answer questions and help you navigate impaired risk cases with ease.