Football is all about strategy – an effective game plan is essential for getting your team closer to the goal line.  On the field of impairment risk underwriting, its carrier vs. carrier and the final score can be unpredictable. Think of an underwriter as your quarterback – calling the right...

Let’s talk about Diabetes.  This is a chronic condition associated with high levels of glucose (sugar) in the blood.  Insulin hormone produced in the pancreas helps to turn glucose from the food we eat into energy.  When the body doesn’t produce enough insulin or doesn’t effectively use the insulin...

We all know the value that Long-Term Care (LTC) coverage provides to your clients.  But there are times when our clients have certain impairments, making it difficult to qualify for a stand-alone LTC policy, or even an LTC rider. If you have a client who was previously turned down for this valuable...

An Underwriting success story about how a postponed case was turned around. Here are the details: 71- year- old female looking to replace $1 million of guaranteed UL coverage Postponed informally due to recent labs in the APS showing severe anemia Case was discussed in more detail with the carrier...

We see many applications that were initially quoted and subsequently submitted using rate classes that the client has no chance of qualifying for - and it should be no surprise that many of these policies end up being closed out or not taken by the insured. There are no secrets to the medical underwriting...

How much does an insurance company think that your client is worth?  Many times, it is much more than how much your client actually does, and we have their underwriting guidelines to prove it! Let's factor in the details that could multiply your sales. The most common insurance need among clients...

Diabetes is a metabolic disease in which a person has high blood sugar either because the body does not produce enough insulin or because cells do not respond to the insulin that is produced. The most well known types of diabetes are: Type 1 (treated with insulin) Type 2 (treated with a combination...

When it comes to underwriting, one of our A + rated carriers follows a responsibly aggressive approach and looks closely at controlled impairments. Don’t let one impairment, like elevated blood pressure force your client into a Standard Non-tobacco class. Here's an example for the record: 60-year-...

Our Underwriting Department can help you make the sale for your clients whose weight is an issue. One of our A+ carriers takes an aggressive approach to underwriting build cases. Some case examples that may surprise you: A man who is 6’ 0” and 300 pounds could possibly qualify for Standard...

Did you know that Non-Smoker rate classes are available on marijuana use?  In some cases, Preferred Non-Smoker rate classes may be possible. Take a look at these potential rate classes for recreational marijuana use: 8 or less days per month may qualify for Preferred Plus Non-Smoker 3 or more...