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Guide to Substandard Impaired Risk Life Insurance

One of the most common types of substandard underwriting issues is diabetes life insurance. Control and compliance of the diabetes is what the underwriters are looking for with this type of impaired risk issue. Cancer probably is one of the most common types of substandard impaired risk issues, in which the underwriters will want to see a evidence of remission and no re occurrence.
Substandard Impaired Risk Life Insurance is an trade term used to characterize insureds that do not qualify for standard or better rate classes. The Insurance companies all have rate class categories that the insured person is classified in, then they calculate the premiums. So if you are a preferred or preferred best rate class then your rates will be cheaper than someones who is a standard or substandard rate class.
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