Business Details
22 Years
experience
Special Risk Managers | Life Insurance for Pre-Existing Conditions
Special Risk Managers is a specialized insurance advisory firm dedicated to securing life insurance solutions for individuals with pre-existing medical conditions. Since 2004, we have built a reputation as industry leaders by leveraging our extensive network of international reinsurance partners and decades of combined expertise in non-standard risk policies. Our team focuses exclusively on challenging cases often deemed uninsurable by traditional providers, including clients with heart disease, diabetes, cancer, mental health conditions, and rare genetic disorders. With a client-centric approach, we offer personalized guidance through the application process, ensuring transparency and compliance with all disclosure requirements.Our success stories demonstrate our ability to secure term life, trauma, income protection, and TPD insurance for over 600 clients, including high-risk professionals and individuals with complex medical histories. We serve both direct consumers and financial advisors, providing access to tailored insurance products that align with individual needs and financial goals. Our commitment to ethical practices, regulatory compliance, and ongoing client education underscores our position as trusted specialists in high-risk life insurance solutions.
Services
Life Insurance
Trauma Insurance
Income Protection
TPD Insurance
Medical Condition Coverage
Details
- Year established: 2004
Highlights and features
- Specialize in life insurance for pre-existing medical conditions since 2004
- Leverage relationships with international reinsurance companies for challenging cases
- Provide personalized guidance through complex application processes
- Successfully secured coverage for over 600 high-risk clients
- Offer direct-to-consumer and advisor-focused insurance solutions
What people say
Successful coverage
Expert assistance
Dedicated service
Tailored solutions
Reliable support
Services
Life Insurance
Special Risk Managers provides term life insurance policies designed for individuals with pre-existing medical conditions. These policies pay a lump sum to beneficiaries upon the policyholder's death or terminal illness diagnosis. Our specialists work with reinsurance partners to secure coverage for clients typically declined by standard insurers, including those with heart disease, diabetes, and cancer histories. Policies offer financial protection for families, business assets, and debt obligations while accommodating unique medical circumstances through tailored underwriting.
Trauma Insurance
Our trauma insurance solutions deliver lump sum payments for diagnosed critical illnesses like cancer, heart attacks, and strokes, regardless of work capacity. We specialize in securing coverage for clients with prior health issues through partnerships with specialist insurers. Policies include benefits for treatment costs, income supplementation, and lifestyle adjustments, with options for trauma reinstatement and child coverage. Our team navigates exclusions and qualifying periods to maximize claim eligibility for high-risk applicants.
Income Protection
Income protection policies replace up to 75% of earnings when illness or injury prevents work. We assist clients with pre-existing conditions in securing policies featuring customizable waiting periods (14 days-2 years) and benefit durations. Coverage supports mortgage payments, medical expenses, and daily living costs during recovery. Our advisors help applicants disclose medical histories accurately while securing favorable terms for conditions like depression, organ transplants, and chronic fatigue syndrome.
TPD Insurance
Total and permanent disability insurance provides lump sum payments for permanent work incapacity due to illness or injury. We secure policies covering mortgage obligations, medical care, and lifestyle modifications for clients with complex medical histories. Options include 'own occupation' and 'any occupation' definitions, with benefits for home duties and partial disabilities. Our team ensures clear understanding of policy terms like activities of daily living requirements and premium freeze options.
Medical Condition Coverage
We specialize in insurance solutions for over 80 medical conditions ranging from HIV and organ transplants to rare genetic disorders. Our services include policy comparisons, application assistance, and disclosure guidance for applicants with heart disease, mental health conditions, and substance abuse histories. We work directly with insurers to minimize exclusions and secure comprehensive coverage across life, trauma, TPD, and income protection policies for individuals and financial advisors.
Questions
Can I get life insurance with a pre-existing medical condition?
Yes, Special Risk Managers specializes in securing life insurance for individuals with pre-existing conditions like heart disease, diabetes, and cancer through specialist reinsurance partners.
What types of insurance do you offer?
We provide term life, trauma, income protection, and TPD insurance tailored to clients with complex medical histories and high-risk profiles.
How do you help clients with difficult cases?
We leverage relationships with specialist insurers and use customized application strategies to secure coverage for clients declined by standard providers.
Do you work directly with consumers?
Yes, we offer direct-to-consumer services while also supporting financial advisors with high-risk client cases.
What medical conditions do you cover?
We assist with over 80 conditions including cancer, HIV, mental health disorders, organ transplants, and rare genetic diseases.
How much does trauma insurance cost?
Premiums vary based on medical history, coverage amount, and policy features. Our advisors help determine appropriate coverage levels and costs.
