"We are the Substandard Life Insurance experts"

American General Grear Annuity Portfolio and Individual Universal Life Products.
AMERICAN NATIONAL Whole Life and Deffered Annuities. 412(i) Plans
Aviva: Indexed Universal Life with Long Term Guarantees.
Axa/Equitable: Competitive Term and Universal Life.
Genworth Financial companies: Life Insurance, Long Term Care Insurance and Total Living Coverage®.
ING/Reliastar Life: Term and Universal Life with Long Term Guarantees.
JOHN HANCOCK Large Case and Sub-standard Expertise. Very Competitive Universal and Term Portfolio Long Term Care insurance
LG America: Competitive Portfolio of Term and Universal Life Insurance for the Value Conscience Consumer.
LINCOLN LIFE: Large case and impaired risk underwriting Survivorship or Individual / Table - 3 to Standard Cigar and pipe smokers may be issued as Standard Non-Smoker MoneyGuard for Long Term Care Insurance
MET Life Strong on Single Pay Universal Life Also Older Age UL Long Term Care Insurance
NACOLAH: North American Company for Life & Health Insurance Impaired risk expertise with a competitive Term and Universal life portfolio Full line of competitive Annuities Both Guaranteed and Equity Indexed
Nationwide Provident: Term Universal Life and Variable Products
New York Life: Jumbo Retention, Universal and Whole Life
Pan American Life: Foreign National Experts
PROTECTIVE LIFE: Great Universal and Term Life portfolio Including Survivorship with 30 year guarantees
PRESIDENTIAL: Competitive portfolio including Term, UL, Annuities and Guaranteed Issue Life
Prudential: Sub-standard Life Underwriting up to $50 million Retention Standard Non-Smoker rates for Pipe & Cigar smokers No Aviation Extras for most Private & Student Pilots Long Term Care Insurance
UNITED of OMAHA: special risk underwriting expertise with Long Term guarantees Easy issue Whole Life
Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by:American Gerneral, Milwaukee, WI; American National Insurance Company, Galveston, TX; Aviva, Des Moins, IA; Axa Equitable, Farmington, CT; Genworth Life and Annuity Insurance Company, Lynchburg, VA and Genworth Life Insurance Company of New York, New York, NY, member companies of Genworth Financial, Inc.;John Hancock Life, Boston, MA;Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; First MetLife Investors Insurance Company, New York, NY, MetLife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the MetLife family; North American Company for Life & Health Insurance, Chicago, IL; Protective Life and Annuity, Birmingham, AL; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Reliastar Life Insurance Company, Minneapolis, MN, Reliastar Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, Denver, CO, member of the ING family of companies; Nationwide Mutual Insurance Company, Dublin, OH;New York Life Insurance Company, New York, NY;Pan-American Life Insurance Group, New Orleans, LA;Presidential Life Insurance Company. Doing business in Texas as Rockland Life Insurance., Nyack, NY;Companion Life Insurance Company, Hauppauge, NY, and United of Omaha Life Insurance Company, Omaha, NE, both Mutual of Omaha affiliate companies; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL;