If your client has had any of the below, they will not be able to qualify for Disability Insurance:

• BMI – over 39.9 (BMI Calculator)
• Bankruptcy less than 2 years ago
• Criminal Charges in last 10 years
• Serious Health Issues – Diabetes (with Insulin), MS, Chron’s, etc.
• Drug and Alcohol abuse with treatment in last 5 years
• Recent declines by another carrier for medical issues
• Maternity
• Currently on disability leave or planning/looking to go on disability leave
• Anxiety and Depression (not uninsurable, but likely an exclusion on the policy)

Please note: Any pre-existing conditions will likely be excluded from coverage if an offer is made.

If none of the above apply to your client, click the button below to submit their information so we can determine available options:

Quotes are turned around within one business day.

If you have any questions, please email lifesales@ociservices.com or call 402-330-8700, and our Life Sales team will work with you directly.