Impaired-risk placement reference for DFG agents. Focused on writing Level coverage whenever possible — because full day-one coverage serves the client and the agency better than any graded product.
Revised April 2026 · Internal Use Only
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Why Level > Graded > GI
Every placement decision affects the client AND the agency. If a Level-tier option exists for the client's condition profile, take it every time. Here's a real example — a 68-year-old female with CHF, written two different ways:
Trans Level (FEX Solutions)
Royal Neighbors GI
Day-one coverage
Full face amount
Return of premium only
Waiting period
None
2 full years
Max face
Up to $30K at age 68
Capped at $10K
Client perception
Real insurance
"Just getting my money back"
How to Use This Guide
Each condition shows the top 3 carriers ranked by placement quality. Before quoting, always collect: diagnosis date, last treatment date, current meds, A1C if diabetic, tobacco use, nebulizer use, ADLs/home-health-care status, and height/weight. Small details drive big placement differences — a nebulizer drops AHL from Standard to Decline, an A1C over 8.6% drops AIG to SimpliNow Legacy Max.
Placement Tier Legend
PREFERRED / LEVEL — Best rate, day-one full coverage
STANDARD — Level coverage, standard rates
MODIFIED / GRADED — Partial benefit years 1–2
GI / GUARANTEED — Return of premium years 1–2
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Carrier Strengths At-a-Glance
Quick-reference when you know the condition and need the right carrier fast
Every Impaired Case — The Workflow
1
Identify the #1 condition. What's the biggest medical issue? Look it up in this guide first.
2
Collect the UW data BEFORE quoting: diagnosis date, last treatment date, A1C, meds list, tobacco, ADLs, nebulizer.
3
Start with Level. Quote the #1 carrier from this guide. If client qualifies, stop there.
4
Run the #2 and #3 options. Compare rates — take the best Level rate, not just the first one.
5
Only drop to Graded or GI if no Level option exists. Never lead with GI when Level is available.
6
Set expectations if Modified/Graded/GI is the only option — explain the waiting period BEFORE submitting.
7
Document placement logic in InsuraCentral so conservation can reference why this carrier was chosen.
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United Home Life — One Carrier, Seven Products
UHL writes seven distinct products under one contract. The art is knowing which one your client qualifies for — not every "no" on Premier is a "no" on UHL entirely. Always try to step UP the ladder (Provider → Term → Premier → Term Deluxe → Deluxe → EIWL → GIWL) rather than stopping at the first acceptable product.
The UHL Product Ladder
Provider and Term = cleanest cases, Preferred rates. Premier and Term Deluxe = solid Level day-one with mild conditions. Deluxe = workhorse Level for diabetes, cardiac 5+yrs, controlled mental health. EIWL = graded benefit when Deluxe declines. GIWL = guaranteed issue safety net for the hardest cases. Column A of the UW guide shows the time-window acceptance — pay close attention to diagnosis dates.
Placement Tier Legend
PREFERRED / LEVEL — Best rate, day-one full coverage
STANDARD — Level coverage, standard rates
MODIFIED / GRADED — Partial benefit years 1–2
GI / GUARANTEED — Return of premium years 1–2
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UHL Product Strengths At-a-Glance
All seven UHL products — know the ladder so you can step up when a higher tier says no
Term Life Lookup Tool
Client has a condition or takes a medication — will the carrier accept them? Search below to check all four simplified-issue term carriers at once.
Accepted Conditional — details matter Decline Not asked on app
Home Protector: 15 / 20 / 25 / 30-yr (must have mortgage)
Living benefit riders included
AD, WOP, disability income & children's riders
Foresters — Strong Foundation
Ages 18–80 · SI $20K–$400K
10 / 15 / 20 / 25 / 30-yr level term
Chronic, critical & terminal illness riders
Most generous marijuana + diabetes rules in the lineup
Member benefits included
InstaBrain — Pure Term & Term w/ Living Benefits (Fidelity Life)
Ages 18–60 · accelerated UW $50K–$1,000,000 · instant decision, e-sign at point of sale
10 / 15 / 20 / 30-yr terms (30-yr: NT to age 50, tobacco to 45); max face grades $900K→$500K at ages 56–60
6 real risk classes incl. Preferred Plus — actual pricing for healthy clients, not SI flat rates
Pure Term: converts to whole life (thru yr 5–10). LB version: free chronic (50%) + terminal (90%) accelerated benefits, no conversion
The clean-client lane: 10-yr knockout lookback kills most impairments — quote IB first for healthy clients needing $500K+, use the SI carriers for impaired risk
Always confirm with the carrier. This tool condenses the carrier underwriting guides and the term grid sheet — guidelines change and final decisions belong to the carrier's underwriter. When in doubt (or for anything borderline), call the carrier's pre-screen line before writing the app. Med lists are not all-inclusive.
