What Is Impaired Risk Life Insurance? 
Impaired Risk Life Insurance is just regular life insurance used to cover people with health conditions or other risk factors . Agents who specialize in impaired risk life insurance have an extensive knowledge of health conditions and have become aware of what life insurance underwriters look at when determining whether they can approve a policy , or what health rating to give . Agencies that specialize in impaired risk life insurance carry a wide variety of products so that if their clients are unable to get medically underwritten coverage , they have simplified or guaranteed issue choices that will cover them . 