Get Quick Coverage with Our Instant Decision Process – Even for Those “Less Than Perfect” Cases
At LGA, we focus on underwriting people and not conditions. While many insurance distributors shy away from (or even deny) coverage for certain conditions, we are simplifying and expediting the process for getting them the coverage they deserve.
See below for a few of our actual customers who qualified for instant decision despite being less than perfect cases.* We also invite you to download our fillable flyer that you can brand and share with your advisors.
Margaret: 55-year-old female, 10-year term life
- History of Sleep Apnea, with minimal daytime tiredness, treated successfully with C-Pap.
- Height: 5’-6”, 185 pounds
- History of three kidney stones in the past with no current stones and no surgery required.
Instant decision: Preferred Non-Tobacco
Joseph: 48-year-old male, 10-year term life
- Takes one medication for blood pressure, last reading was 134/84
- Watches his cholesterol and is on one medication for it
- Last blood work was within the year and his total cholesterol was 300, with a cholesterol-to HDL ratio of eight
Instant decision: Standard Non-Tobacco
Owen 34-year-old male, 30-year term life
- Has used Marijuana in the last five years, but last used over a year ago, except for occasional CBD/Hemp oil only
- History of ADD controlled with one medication
- No history of DUI or felony criminal activity
- Is gainfully employed (no disability)
Instant decision: Preferred Plus