High Risk Disability Insurance: Coverage Options for Those with Medical Challenges
When most people think about disability insurance, they assume good health is a requirement. But the truth is, many Americans with pre-existing health conditions or high-risk occupations can still qualify for meaningful coverage through high risk disability insurance.
What Is High Risk Disability Insurance?
High risk disability insurance is designed for individuals who may not meet the standard underwriting guidelines due to health conditions, lifestyle factors, or even their occupation. These include, but are not limited to:
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Diabetes
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Mental health conditions
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Musculoskeletal issues
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Cancer history
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High-risk jobs (e.g., construction, aviation, offshore work)
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Recreational risk (e.g., scuba diving, motorcycling)
Rather than offering a blanket denial, high risk programs assess the full context of your situation. They may offer coverage with adjusted benefits, higher premiums, or graded benefit periods to account for elevated risk.
How We Help at Diversified Insurance Brokers
At Diversified Insurance Brokers, we specialize in helping individuals who have been declined or discouraged elsewhere. We work with carriers that are experienced in high risk underwriting and know how to position your case to maximize your chances of approval.
In many cases, we can secure:
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Modified coverage with meaningful monthly benefit levels
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Elimination of standard exclusions over time based on claim-free performance
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Flexible options that grow with your income and occupation changes
Don’t Assume You’re Uninsurable
Even if you’ve been turned down in the past, that doesn’t mean disability insurance is off the table. Our team reviews your full medical and occupational profile and matches you with companies that have proven experience in higher-risk cases.
Contact Us Today: If you’ve been told “no” before, let us take a second look.
📞 Call us at 770-662-8510
📅 Schedule a free consultation: Book with Jason
Or visit our Contact Page: https://www.diversifiedquotes.com/contact-us/
Contact Us Today:
Ready to explore insurance and annuity options that offer guaranteed income, principal protection, disability, life insurance, Social Security and Medicare reviews, and long-term financial growth? Let the expert advisors at Diversified Insurance Brokers help you find the right strategy for your retirement goals.
📞 Call us at 800-533-5969
🔗 Visit our annuity rate page here
📍 Contact Us Page
