Hard to Place Life Insurance Explained: Options When Others Say No

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At Diversified Insurance Brokers, we specialize in helping people get life insurance coverage when traditional carriers say no. Hard-to-place life insurance is designed for individuals with health conditions, risky occupations, hobbies, or past declines who still need meaningful protection for their families or businesses.
If you’ve been declined, rated heavily, or told coverage isn’t available—you still have options.
✅ In this video, we’ll cover:
• What “hard-to-place” life insurance really means
• Common reasons people are declined or rated (medical, lifestyle, occupation)
• Health conditions that don’t automatically mean denial
• Life insurance options for high-risk occupations and hobbies
• How underwriting differs between standard and specialty carriers
• Term vs. permanent life insurance for hard-to-place cases
• How carrier selection can dramatically change outcomes
• Why working with an independent broker matters
• How Diversified Insurance Brokers places difficult cases successfully
🎯 Been declined or told you’re uninsurable?
Hard-to-place doesn’t mean impossible. We work with specialty carriers and advanced underwriting programs to find solutions most agents can’t access.
👍 LIKE this video if you’ve ever been told “no”
💬 COMMENT with your situation—we’re here to help
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