One of the key roles that a financial advisor or insurance agent plays in life insurance is helping clients who have health challenges, lifestyle factors or other “impaired risks” obtain the best possible life insurance offer. For most clients, that means coverage that not only meets their individual protection needs and fits within their financial plan, but also coverage that can be secured in a timely manner.

But not all risks are created equal. Throughout the life insurance process, financial advisors, brokerage partners and individuals seeking coverage can work together to find the right coverage for their needs, and ensure that carrier underwriters understand the full picture of their health and lifestyle information, which can help to secure more favorable coverage.