Did you know? About 1 in 8 women in the US will develop invasive breast cancer over the course of her lifetime As of January 2018, there are more than 3.1 million breast cancer survivors in the US A woman’s risk of breast cancer nearly doubles if she has a first-degree relative (mother,...

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...

Gastric ulcers, also known as peptic ulcers, are localized areas of erosion in the stomach lining that result in abdominal pain, possible bleeding and other gastrointestinal symptoms. The most common cause of these ulcers is infection of the stomach by bacteria called Helicobacter pylori (H.pylori). ...

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. ...

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...

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...

Getting life insurance for clients with a history of breast cancer can be challenging, but thanks to one of our A+ carriers, more of your clients with a history of breast cancer could be eligible for favorable rates. Take a look at these case studies: Case Study #1: 60 year old female who was diagnosed...

Did you know that Non-Smoker rate classes are available on marijuana use?  In some cases, Best rates may be possible. Take a look at these potential rate classes for recreational marijuana use: 1 time or less per month may qualify for Preferred Plus Non-Smoker 3 times or less per week may qualify...

One of our A+ rated carriers has underwriting crediting program that will benefit more of your clients. Here's an example: Seeking UL coverage 31-year-old male, non-tobacco History of bicuspid aortic valve with a valve replacement 12 years ago Favorable cholesterol 139, HDL ratio 4.0 ...

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...