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Impaired Risk Insurance

Many find it difficult to purchase a life insurance policy since they might be facing health problems work in a highly risky occupation.

Do not let the fear or shame of being declined keep you from buying life insurance for you or your family.

Impaired risk life insurance is an option for people who have been denied or are afraid of being denied by a private insurance carrier.

We can find the right policy for you if you contact us. We will speak to you about your insurance needs and concerns about your health.


DGS Benefits Inc. and Mr. Thomas Murphy really get results. His integrity coupled with honesty, sincerity, impeccable flow through, and premier personal employee attention, makes him a superior Employee Benefits/Insurance professional who really cares. Mr. Murphy goes the extra mile and gets the job done.

—Shirley Lipke, Buyer
Marty Shoes Inc.

Tom Murphy and DGS have been very responsive to our needs. He has been effective clearing up the red tape issues on behalf of our company.

—Frank Schmitt, General Manager
Zwanenberg Food Group, Inc.

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