Medical Risk


Challenging Medical Issues

We are often asked by clients and other professional advisors about how we handle medical profiles that are out of the ordinary. The truth is that in spite of whatever challenges a client might have in their past or present medical profile, in many instances we are able to secure life insurance coverage for them because of two predominant reasons:

Our experience

With over thirty years in this industry as brokers our most fundamental commitment is to negotiate the best possible medical rate for our client. Our expertise includes handling complex medical risks.

Our Risk Assessment Center™

Our thorough evaluation process is designed to match clients’ unique medical profiles with the most appropriate insurance companies to maximize our results.

Size matters

To establish the best pricing when contending with challenging medical circumstances, size is very important. Collectively, our organization and our strategic partners have over $40 billion of in-force life insurance protection. We work closely with only the largest and most financially secure companies. Through our influential relationships, we are able to provide the best products and pricing – even if there are complex medical issues to address.

Key facts about ValMark Securities, our strategic partner:

  • Completely independent insurance brokerage firm
  • Board-certified medical director on staff
  • Four senior medical underwriters
  • Collectively over $40 billion of in-force life insurance protection
  • Forum 400 member – by invitation only
  • Member Offices are appointed by invitation only