If you feel challenged with significant adverse family history compromising your client’s ability to achieve Preferred rates, we have a solution. Our Underwriting Team is here to help with all your impaired risk cases. Here are some examples: Example #1 67- year- old male 5’10”, 190 lbs. ...

We know how to elevate your sales.  We are experts when it comes to new and innovative underwriting changes.  We also know which carriers to recommend for your challenging clients. Bottom line, we find ways to say "yes" to your cases. We represent carriers that can offer: Right away to individuals...

“Can we still use the same exam?" We often hear this question in underwriting.  Perhaps a client recently placed coverage and is considering applying for more.  Or maybe they did not receive the rate class they applied for and wish to apply to a different carrier. Whatever the scenario, it’s...

Non-combustible tobacco products are those that do not require burning the tobacco for consumption.  Vaping, or electronic cigarettes, is a type of non-combustible tobacco that is heated at a lower temperature to create an aerosol for inhaling. Generally, vaping is rated the same as combustible tobacco;...

The thyroid is a butterfly-shaped gland located at the front base of the neck.  It produces hormones that regulate heart rate, blood pressure, body temperature and weight. Thyroid cancer occurs when abnormal cells grow in the thyroid gland.  The incidence of thyroid cancer seems to be increasing...

A carrier’s underwriting assessment involves the review of the overall medical history and the application of crediting tools to improve upon and provide the best underwriting class possible. Here is a case study that demonstrates how credits can make a difference in the sale, by reducing the premiums. ...

It may surprise you to know that cholesterol itself isn’t bad.  Cholesterol is one of the many substances created and used by our bodies to keep us healthy.  Some of the cholesterol we need is produced naturally while some of it comes from what we eat. There are two types of cholesterol: HDL,...

Take a look at some surprising possibilities that can help you win a sale for clients with health impairments. Preferred Plus MAY be available even with the following conditions: Anxiety/Depression/Mood Disorder - One episode, duration of less than one year, recovered, no current medication Asthma...

One of the most important aspects to placing more business is a knowledgeable underwriting team to be your advocate for those challenging cases. The Life Underwriting team philosophy is "never say never". We don't give up on a case because it's difficult.  We take on the challenge and look outside...

Diabetes, there's no way to candy-coat it - this all too common yet serious disease can present some challenges in life underwriting. An estimated 1.4 million Americans are diagnosed with diabetes each year.  Complications can include heart attack, stroke, cardiovascular and kidney diseases. The...