Three recent cases come to mind:

Case I
A 35 year old male, 300 lbs. with hypertension. He had been declined by several other companies. I was able to write $500,000 of Preferred Non-Tobacco for $550 guaranteed level for 15 years.

Case II
A 55-year-old with numerous health problems needed $2,000,000 and his old 10-year term was being re-offered at $22,000 a year. I was able to write it for $13,580. Now one year later I have rewritten it at $10,540.

Case III
A 45 year old physician called me on Wednesday on August 13, 2003 with a desperate life insurance need. He needed a $250,000 life insurance policy to cover a practice loan that was being provided by a health care firm and he needed it by August 26, 2003. Without insurance he could not obtain a loan. He had applied to a direct writing internet company and he had been declined. He had 3 serious medical problems and was substantially overweight. I arranged to have him examined on Sunday, picked up the medical records from his attending physician on Monday, secured additional records from another physician on Wednesday and had the application approved and a rated policy issued on Friday August 22, 2003.

A very happy ending for a desperate situation.

If you have problems buying insurance let me try to help.

Here's how:

1. Complete the informal inquiry in as much detail as possible
2. If you have your medical records send them to me
3. Tell me how much and what type of insurance you need (Term or Universal Life)
4. Fax or mail the information to our attention.