A sub-standard risk refers to an underwriting classification for individuals who pose a higher level of risk to insurance companies due to significant health concerns. These individuals may have pre-existing health conditions or other health impairments that result in a shorter than average life expectancy. As a result, insurance companies may charge higher premiums for coverage compared to preferred or standard risk individuals.

Sub-standard risks may face challenges in obtaining life insurance coverage or may be limited in the types and amounts of coverage they can secure due to their health status. It's important for individuals classified as sub-standard risks to carefully review their life insurance options and work with life insurance professionals to find suitable coverage that meets their needs despite the increased premiums.

Welcome Funds is a nationally licensed life settlement broker that specializes in representing policy owners looking to sell their life insurance policy in the secondary market. Our experienced life settlement team facilitates an auction bidding platform among institutional and licensed buyers to ensure our clients receive the highest offer from the life settlement market when selling their life insurance policy.

We were founded in 2000 and have helped clients negotiate over 35,000 life settlement offers and more than $1 Billion in sales proceeds provided to our clients, you can trust our life settlement team in this complex field.

Contact us today! Our qualification process is free, confidential, and comes with no obligation at any time. Fill out our FREE Life Settlement Qualifier; or call our toll-free number at 877.227.4484 to speak with a Client Care Advocate and schedule your free personal consultation and appraisal.

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