Being declined for disability insurance means that because of health or history, you’re not a standard risk for regular insurers. It does not necessarily mean you’re uninsurable.
If diabetes, heart disease, obesity or even cancer has prevented you from buying income protection in the past, explore the options. Special risk insurers approach things differently. By designing unique plan features and using expert risk underwriters, they can offer coverage to approximately 85% of individuals who were previously refused.
If you have been actively at work full-time for the last 12 months, are not chronically ill, and are receiving the appropriate medical care and follow-up for your condition, you may qualify for a personal disability plan. Speak with an Insurance Advisor who understands the intricacies of special risk insurance.