When Others Say No, We Light the Way.

Guiding complex cases toward clarity, protection, and possibility.

InsureAgain Consulting Group

We specialize in impaired risk life insurance—cases other agencies dismiss. At InsureAgain Consulting Group, we turn complexity into strategy, combining clinical fluency and strategic underwriting to guide your clients toward a fair and thoughtful second look.

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  • Impaired Risk Evaluation

    We assess APS reports, medical histories, application outcomes, and carrier feedback to uncover viable opportunities. Our focus is to surface clarity where complexity has stalled progress—bringing declined cases back into view with renewed direction.

  • Underwriting Strategy

    We deliver strategic, clinically fluent narratives that help underwriters see the person behind the paperwork. Every case deserves context, clarity, and representation that’s not just accurate—but carrier and guideline-specific.

  • Case Recovery & Repositioning

    Declined or postponed cases aren’t dead ends—they’re data points. With fresh analysis and strategic realignment, even the most complex files can be rebuilt and brought back to the table—charting a smarter, stronger path forward.

When traditional options fall short, we’re the second-look specialists who understand how to navigate the fog.

Roadmap To Success

At InsureAgain Consulting Group, we work closely with agents, BGAs, and advisory firms to reimagine the potential of impaired risk cases. Our team combines clinical fluency with underwriting strategy to position declined, postponed, or heavily rated clients in a new light—with real results.

Our process isn’t just about placement—it’s about preserving trust. From difficult declines to thoughtful alternatives, we help you offer solutions that keep both client and household moving forward.

  • Agents submit an initial summary and supporting documents—typically APS, prior application, lab results, and carrier feedback.

    We pinpoint opportunities for repositioning and clarify what underwriters need to see.

  • We conduct a clinical and underwriting review to assess strengths, gaps, and repositioning potential. Our goal is to clarify what underwriters need to see—and highlight avenues that may have been missed.

    Even when traditional options aren’t viable, we offer guaranteed issue or accidental death coverage suggestions—because every client deserves something. In many cases, these solutions preserve household coverage and help spouses move forward confidently. No one gets left behind.

  • We interpret complex medical and application histories through the lens of carrier-specific guidelines—ensuring every case is presented with precision, clarity, and relevance. Our intimate knowledge of underwriting nuances allows us to align each client’s story with the expectations of the right carriers, avoiding generic summaries and guesswork.

    You receive our strategy summary: recommended carriers, positioning notes, and expectations for rating or outcomes.

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Where Stormy Cases Find Safe Harbor.

At InsureAgain, we believe nobody should be lost in the underwriting storm. We provide strategic clarity and unwavering advocacy when life insurance feels out of reach.

  • Managing Partner, Director of Underwriting Strategy

    Calm, clinical, and committed—Rachel translates medical complexity into meaningful underwriting direction. Think of her as your compass.

  • With more than seven years of experience in life insurance and a clinical foundation as a registered nurse, Rachel brings together two rare strengths: the medical fluency to decode complex health profiles and the strategic insight to reposition them for coverage. At InsureAgain, she serves as both navigator and advocate—guiding clients through the fog of impaired risk underwriting with clarity, empathy, and precision. Rachel knows what underwriters need and, more importantly, what clients deserve.

  • Managing Partner · Risk Recovery Specialist

    Chelsea doesn’t guess—she navigates. Her insight into underwriting nuance is the lighthouse you want in dense regulatory fog.

  • Chelsea brings over 20 years of life insurance expertise to InsureAgain, where she leads our risk recovery strategy with unmatched precision and heart. Her depth of experience in impaired risk underwriting and carrier negotiation allows her to navigate even the stormiest case files with confidence. A master of second chances and strategic pivots, Chelsea is the steady hand clients count on when the way forward feels uncertain.

Make it stand out.

INTRODUCE YOUR BRAND

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