Family history of cancer can have an adverse impact on underwriting decisions despite a client’s own personal history of excellent health. While most carriers limit eligible rate classes for this particular family history, there are still a couple of A+ carriers that do not underwrite family cancer...

Did you know: The liver produces all the cholesterol our body needs, however, dietary cholesterol (taken in through the foods we eat), causes the liver to send even more cholesterol into the bloodstream. High cholesterol can cause fatty build up in the arteries which increases our risk of heart...

In the years leading up to the development of Type 2 diabetes, most individuals go through an asymptomatic condition called pre-diabetes.  During this time, fasting blood sugar levels may be slightly elevated and there may be other signs of disruptions in normal metabolism, such as high triglycerides,...

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...

Obesity in the United States has been increasingly cited as a major health issue in recent decades.  While many industrialized countries have experienced similar increases, obesity rates in the United States are among the highest in the world. There are several types of surgeries that fall under...

“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...

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...

This A+ carrier’s underwriting guideline provides one more option for your client with a less than favorable family history. When it comes to underwriting, this carrier takes an aggressive approach and looks closely at controlled impairments. Let’s take a look at this Underwriting Case Study: ...

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...

Nothing makes an underwriter happier than details to health histories. When a health history ("I've got a guy" scenario) is shared with me, I look for the basics of the Who/What/Where/When and Why. These details help frame the health history and add context. The standard set of questions include: ...