Carriers use crediting criteria to improve your clients’ ratings.  The following case study shows how the identification and application of underwriting credits can significantly reduce premiums. Case Study: Male, age 35, NS Seeking $2 mil of term Scenario: No tobacco use Build...

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...

One of our carriers bases pricing of their table rated cases off of ‘Standard Plus’ rates, rather than ‘Standard’ rates like most of the others. This pricing feature could make a significant difference to your clients' with multiple health impairments. Here is a success story: 46 -year...

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...

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. ...