Baystate Brokers - Impaired Risk

Have you experienced difficulty getting life insurance in the past?

Do you think you may not qualify as a result of your health?

If so, we are here to help. Baystate Brokers, LLC works with numerous companies who insure individuals with impaired risk.

You may still qualify for coverage, even if you have
	Diabetes Cardiovascular disease Kidney disease Cancer Other serious conditions

While we can't guarantee approval, your preliminary inquiry will be reviewed by over 50 different insurance companies. It is not uncommon to receive multiple offers for coverage using this process, which allows you to select the one that best meets your needs.

Obtaining an impaired risk quote can be a lengthy process, but your work is minimal. Your representative at Baystate Brokers will be with you every step of the way.

The Process

Complete the Impaired Risk Application. This includes a release for your medical records.
Medical records are retrieved and distributed to insurance companies, along with your application.
This step may take several weeks, but depends on how quickly your medical records are provided.
Insurance companies will review your application and records.
One or more insurance companies may extend an offer of coverage.
After accepting an offer, you must complete a formal application and paramedical exam.
Your selected insurance company will review your formal application and the results of your paramedical exam and lab tests.
Based upon these results, the insurance company will extend a firm offer of coverage or deny coverage.

Getting Started
	Download the Impaired Risk application. Fill out the application completely and honestly. The accuracy of your quote depends on having an accurate picture of your current health and health history. Return the application to Baystate Brokers. Fax your completed application to (508) 562-3816.