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Your Client’s Health Should Be Met With Knowledge

We help assess and implement policies for clients with underlying health considerations.


You have sold your client on a life insurance concept.  You are confident moving forward with case development when you discover that they have an impaired risk that turns everything upside down.  The entire process seemingly comes to an abrupt end. What are you supposed to do next?

Let’s face it.  There are too many different health issues that exist out there for you to possibly know the ins and outs of every single one when it comes to underwriting impaired risk.  This is where your association with APIM comes to your aid.

Our impairment risk team has experience with the most common ailments such as cancer, diabetes, and heart conditions as well as uncommon disorders and risks.  We have aligned ourselves closely with underwriters who help navigate the policies associated with these trickier cases in order to resolve policies with your client’s best interests at heart.

It is imperative that you can come back to your client with the most accurate quote given their ailment and that is what our impairment risk team handles for you.  Surprises happen. With APIM, we give you the power to handle them with confidence and grace.