Impaired Risk Life Insurance
Some cases aren’t simple—and that’s where we come in. The Stamm Agency is nationally known for helping agents place impaired risk life insurance. From complex medical histories to high-risk profiles, we work with underwriters every day to find options that make sense. No overpromises—just practical guidance, honest feedback, and a strong network of carriers.
Frequently Asked Questions
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What is impaired risk life insurance?
Impaired risk refers to policies for individuals with higher-than-average health or lifestyle risks. These can include medical conditions, hazardous occupations, or other underwriting concerns.
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What conditions are considered “impaired risk”?
Common impairments include diabetes, heart conditions, cancer history, obesity, depression, and high-risk activities. Each carrier views impairments differently, which is why expert case design matters.
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How can The Stamm Agency help with these cases?
Our team reviews each file before it’s submitted. We know what underwriters look for and where your client’s profile is most likely to get a fair review.
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Do you work with all carriers on impaired risk cases?
We work only with top-rated, brokerage-affiliated carriers. Not all will take impaired risk, but we know which ones will—and under what conditions.
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How do I submit an impaired risk case?
You can call, email or request an impaired risk quote directly from our website. We’ll walk you through what to provide and how to get started.
Let’s Tackle the Tough Cases
Some agencies shy away from impaired risk. We don’t. Submit your next case with us and see the difference real underwriting support makes.
