Accept NO Limitations!

Accept NO Limitations!

We are ready to take that RISK!

IDU, Inc. is the undisputed industry leader of underwriting and issuing high limit personal income disability protection for Impaired Risks in the Domestic and Excess Market.

Our combined team of expert underwriters have mastered the technique of conquering tough cases and offering creative coverage plans that provide a variety of solutions for all types of client profiles. Our unique and unmatched offers include multiple products, features, and pricing options in the Domestic and Surplus Lines Markets.

Many carriers have tried to replicate our aggressive underwriting in the Impaired Risk DI market, however, IDU underwriters with over 100 years combined experience are second to none in this market.

IDU underwriters brought the impaired risk disability product to the market in the US, over thirty years ago.

As pioneers in this risk niche we understand the role disability insurance plays in securing one’s wellbeing. This is why our team at IDU believes that all individuals should be able to secure personal income protection.

IF IDU CAN'T SAY YES, NO ONE CAN!

Clients with pre-existing medical conditions and high-risk occupations are at a coverage deficit, especially if they are also high risk income earners.

IDU has multiple solutions for clients with moderate to severe medical conditions.

Our underwriters can consider disability coverage for clients with:

· Height and weight concerns

· Type I & II Diabetes

· Cancer History

· Multiple Sclerosis

· Crohn’s Disease

· Systemic Lupus

· Musculoskeletal Impairments

· Sleep Apnea

· Drug & Alcohol History

· Mental/Nervous Conditions

IDU offers coverage to clients for many additional medical conditions that cannot be insured in the traditional or surplus lines markets.

Learn more about our Impaired Individual Disability Insurance, and take advantage of IDU’s industry leading experience: https://www.iduinc.com/Individualdisabilityinsuranceimpaired