What is substandard life insurance anyway? Substandard or Impaired Risk Life Insurance is what the Wholesale Brokerage industry calls it when someone has a health, lifestyle or avocation issue that precluded them from getting the best rates.
We suggest that you shop your case or file to a really good Life Insurance Broker or Agent that has access to multiple carriers. This way you can get multiple quotes from a number of top rated life insurance carriers. This is you best bet at trying to get decent term life or permanent life insurance premiums.