We can assist you in finding competitive offers for those medically challenging cases where the health history of a client may otherwise hinder or prevent them from obtaining coverage. Coverage may be applied for on an informal basis vs. the normal process, meaning that medical information received is not reported to information bureaus such as MIB, so your client does not have adverse medical conditions "added to his/her record".

Offers may be obtained from a variety of carriers on an informal basis. When Informal Applications are submitted, PGP Life or the carrier will directly obtain any necessary Attending Physician's Statements (APS's). With this information, they are able to begin negotiations to place the case.

Dynamic "specialty markets" exist among insurance carriers. For example, where one may be competitive with a cancer case (in remission), it may be very conservative and noncompetitive with a diabetes case. We monitor the substandard arena to ascertain that the client is being presented to the most favorable carriers available for their specific circumstances.

Due to the cost and time involved in working on Informal Applications, there is a minimum death benefit requirement: $250,000 for permanent coverage and $500,000 for term coverage. Please note that when there are significant health factors involved, it may not be possible to provide any preliminary rate information. Depending upon receipt of the various Attending Physician's Statements (APS's), it may take approximately 3 to 6 weeks from the date the informal application is received to begin receiving offers from the carriers. It is crucial to obtain concise, accurate information from the client about their medical histories and to provide exact addresses for each doctor involved in their treatment.

Note: The above are estimated average time frames and will vary from carrier to carrier.