Our Life & Health Division's most popular and successful product lines! Through a variety of carriers, we are able to accommodate impaired health conditions for individuals seeking Individual Life, Long Term Care, and Disability coverage. We offer Term, Permanent, Whole Life, Key Man, Buy/Sell, Modified Benefit, Graded Benefit and Guaranteed Issue coverage. Our specialty is obtaining coverage for impaired health individuals. Once we obtain initial underwriting information (preliminary questionnaire) our strategic provider underwrites the risk in house thus matching the best carrier with the requested face amount, health conditions, age and location of the proposed insured. We have outstanding carriers for tobacco users. We insure Mexican citizens living in the United States. We write individuals with hazardous hobbies. There is no doubt we can help you with these individual lines of coverage.