Life Insurance

When you have been told you are not healthy enough to buy Life Insurance
you will get angry at the insurance company  saying they are unfair for declining
your application, and you should be given  insurance because the company
makes lots of money.

When you have been declined for life  insurance, the Company has
determined your medical condition will have an adverse effect on their
block of healthy insured  persons.Your medical condition will effect that
group of people, the same as smoking effects life insurance rates.
   
When you complete this form we will be able to  provide you an
assessment of your situation and find a company to provide a quotation.
The first step is to fully complete my form . We will be in touch with you
within 5 business days to request  further information or up-date you
on the status of your enquiry. Quote Request:

If we have not contacted you within 5 days, please call us at 1-866-861-1006
to confirm we received your request.

Disability Insurance

The Underwriting process for Long Term Disability Insurance usually
results in 10 % to 15% of all applicants declined  for medical  reasons.

If  you have been declined individual disability insurance for medical reasons
I may be able to provide a product with the following featurers

    * Coverage for both accident and sickness
    * 10, 5 and 2 year benefit periods
    * Optional benefit period to age 65 for accident
    * Monthly benefits up to $10,000
    * Regular occupation definition throughout
    * Partial disability benefits included
    * Optional Premium Refund Rider
   
You will be considered totally disabled if you are unable, due to sickness or
injury, to perform the substantial duties of your regular occupation. You will
not be considered totally disabled if you are able to perform one or more of
the substantial duties of your regular occupation or if you are engaged in
any gainful occupation. You must be receiving appropriate care from a physician.

The Policy contract will outline complete details and definations.

If you would like me to provide a quotation please complete the Disability Quotation
request.

If we have not contacted you within 5 days, please call us at 1-866-861-1006
to confirm we received your request.

Bruce A Hollett & Associates
401-1630 Pandosy Street
Kelowna  BC V1Y 1P7
voice 250-861-1006 or 1-866-861-1006  fax 250-861-6177, e-mail  questions@telus