Sub Standard Cases

Tired of Underwriters who go "by the book?!" So are we! That's why PFGM finds companies who are not by the book and will give your impaired risk clients that better offer that they deserve!


PFG Select is our impaired risk and large case division dedicated to the placement of difficult and substandard life insurance cases. Our in-house underwriter adds significant expertise and has placed cases up to $100 million. Large cases are common, and we do the shopping for you.

Examples of outstanding offers:  
  Smokes 3-5 cigarettes per day, healthy otherwise....Pref NS rates!
Angioplasty or bypass surgery 6 months ago and stress test is normal....Super NS rates!
Diabetes well-controlled with insulin....Super SNS Rates!

On Oral meds....Pref NS rates!

Do you have a case that you would like us to shop? The Fax the Facts form below should be filled out and faxed back to Karen. If your case is over $1,000 of premium or the insured has many health issues, please complete the Preliminary Inquiry form instead. The form can be faxed to Karen at 701-237-6142. Once Karen receives your client's information she will find the best rate for your client and get back to you as soon as possible!

Fax the Facts form


Preliminary Inquiry form