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.
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:
Quick-reference when you know the condition and need the right carrier fast
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.
All seven UHL products — know the ladder so you can step up when a higher tier says no
Term carriers use long lookback windows (3, 5, 7, 10 years) on most impairments. The same client who's an auto-decline at one carrier can be Level at another if you know the window. Columbian Safe Shield leads the 10-year-clean plays; Mutual of Omaha Term Life Express leads AFIB and controlled diabetes; UHL Term Deluxe is the only true Level term for insulin diabetes.
16 carrier families mapped to their sweet spots