--- title: Options for Hard to Place Cases description: IAMS, Inc. has carriers available that can issue up to $5mm of coverage without an exam or APS and consumer-facing life insurance resources available. --- CALL US: 800.255.5055 [Login](http://www.iamsinc.com/wp-login.php) [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [Linkedin](https://www.linkedin.com/organization/2128303/) [YouTube](https://www.youtube.com/user/IAMSinc) [![Insurance Agency Marketing Services](https://resources.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_240x52.png?width=240&height=52&name=IAMS-Logo_240x52.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - [Life](https://www.iamsinc.com/life/) - [Single Premium Life](https://www.iamsinc.com/single-premium-life/) - [Senior Health Care](https://www.iamsinc.com/senior-health-care/) - [Forms Search](https://www.iamsinc.com/forms-search/) - [e-App Solutions](https://www.iamsinc.com/e-app-solutions/) - [Firelight Registration](https://www.iamsinc.com/firelight-registration/) - [Firelight](https://www.iamsinc.com/e-app-solutions/) - [iGo e-App Solution](https://www.iamsinc.com/e-app-solutions/) - [Connect4Medicare](https://www.iamsinc.com/e-app-solutions/) - [Training](https://www.iamsinc.com/training/) - [Producer Academy](https://www.iamsinc.com/life-annuity-academy/) - [Product Training Confirmation](https://www.iamsinc.com/product-training-confirmation/) - [Monthly Webinars](https://www.iamsinc.com/webinars/) - [Support](https://www.iamsinc.com/iamsupport/) - [Production Builders](https://www.iamsinc.com/incentives/) - [Creative Solutions](https://www.iamsinc.com/creative-solutions/) - [Sales Resources Library](https://www.iamsinc.com/sales-resources-library/) - [E&O Insurance](https://www.iamsinc.com/eo-insurance/) - [AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) [![Insurance Agency Marketing Services](https://resources.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_100x20.png?width=96&height=20&name=IAMS-Logo_100x20.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - [Life](https://www.iamsinc.com/life/) - [Single Premium Life](https://www.iamsinc.com/single-premium-life/) - [Senior Health Care](https://www.iamsinc.com/senior-health-care/) - [Forms Search](https://www.iamsinc.com/forms-search/) - [e-App Solutions](https://www.iamsinc.com/e-app-solutions/) - [Firelight Registration](https://www.iamsinc.com/firelight-registration/) - [Firelight](https://www.iamsinc.com/e-app-solutions/) - [iGo e-App Solution](https://www.iamsinc.com/e-app-solutions/) - [Connect4Medicare](https://www.iamsinc.com/e-app-solutions/) - [Training](https://www.iamsinc.com/training/) - [Producer Academy](https://www.iamsinc.com/life-annuity-academy/) - [Product Training Confirmation](https://www.iamsinc.com/product-training-confirmation/) - [Monthly Webinars](https://www.iamsinc.com/webinars/) - [Support](https://www.iamsinc.com/iamsupport/) - [Production Builders](https://www.iamsinc.com/incentives/) - [Creative Solutions](https://www.iamsinc.com/creative-solutions/) - [Sales Resources Library](https://www.iamsinc.com/sales-resources-library/) - [E&O Insurance](https://www.iamsinc.com/eo-insurance/) - [AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # Options for Hard to Place Life Cases ![Hard LI Cases Header](https://resources.iamsinc.com/hubfs/Hard%20LI%20Cases%20Header.jpg "Hard LI Cases Header") Are you having trouble finding life insurance options for clients age 60 or older? COVID-19 has had a dramatic impact on the life insurance market. Over the last month, insurance companies have rolled out a whirlwind of changes to their underwriting processes. **This has included:** - New age thresholds for policy issue - New restrictions and guidance on health statements - More scrutiny on factors such as travel  IAMS, Inc. has carriers available that can issue **up to $5mm of coverage without an exam or APS**. In additions, IAMS has a number of carriers that are accepting business in the age 60 and 70+ markets. We can help you navigate this ever-changing environment.  We also have the resources you need to get to the heart of your client's unique situation. The IAMS Heath Screening Questionnaire and Life Insurance Fact Finder will allow you to develop the solution that best fits their financial needs. **Fill out the form to request your fact Heath Screening Questionnaire and Life Insurance Fact Finder.** ### Submit your information here to request your Life Insurance Resources ### Insurance Agency Marketing Services, Inc. 505 North 210th Street, Elkhorn, NE 68022 (800) 255-5055 (402) 330-7296 [contact@iamsinc.com](mailto:contact@iamsinc.com) ### Marketing Corner ### Our Location ### Follow us Find us on: [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [YouTube](https://www.youtube.com/user/IAMSinc) [Linkedin](https://www.linkedin.com/company/insurance-agency-marketing/) Search: ©2025 Insurance Agency Marketing Services, Inc. THIS SITE IS FOR AGENT USE ONLY. [Disclosures](https://www.iamsinc.com/disclaimer/). [Privacy Center](https://www.iamsinc.com/privacy-center/). 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