One of our A+ carriers recently shared a winning case study for a senior client. Case Details: Male, age 71, NS Seeking $5 million of UL Family history: Mother died at age 52 from breast cancer Father died of heart disease at age 58 Brother died of a stroke at age 50 The carrier exam...

One of our A rated carriers has some niches that can help you make a sale that you thought may not have been possible. Take a look: Disregard family history if applicant is age 66 or older Family history of certain gender specific cancers can be disregarded (i.e. Female cancers:  Breast, Ovarian...

In the past, carriers looked stringently upon all cholesterol levels when underwriting a case. These days, there are some carriers who don't even consider total cholesterol levels anymore (assuming levels are higher than 150 and less than 300.) The Cholesterol/HDL ratio is considered the gold standard...

A1c, also referred to as hemoglobin A1c, is a blood test that reflects a person's average blood sugar level for the past 2-3 months and is often used as a measure of control. This test is frequently used to help diagnose new diabetes onset and to monitor ongoing control of blood sugar in diabetics.  A...

Do you have a client who has suffered a stroke?   If so, one of our A+ carrier's underwriting guidelines can help you get the offer your client needs.   A stroke is an interruption of the blood supply to any part of the brain. It is sometimes called a "brain attack" and is otherwise known...