Baker Birdwell has expertise dealing with impaired risk individuals.
Impaired Risk simply means that based on health conditions, someone doesn’t qualify medically for disability insurance. This generally results in:
They are charged a higher or rated premium
They have a waiver on a health condition meaning the policy wouldn’t cover a disability from the condition
In some cases, they are declined/denied any coverage.
Baker Birdwell works with traditional carriers to ensure that you have the best chance at getting standard coverage.
We work with several carriers who specialize in writing impaired risk individuals. So coverage may not be exactly what was applied for, but you will receive the best available offer of coverage in the market. This greatly reduces the number of individuals who are completely declined coverage.