Long-Term Care and the cost of care can be overwhelming for most.  In the past, traditional stand-alone LTC policies were the only way to insure long-term care expenses. These days, there are more ways to obtain this valuable coverage – including LTC riders on Life Insurance policies. Underwriting...

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 don't always think of underwriting as a gift, but it can be. Presenting a Case Study: We received an app for a 66 year old male client seeking $1.2 mil of term coverage to cover a $1.2 mil business loan.  The challenge was that this man had not seen a doctor in well over 5 years, and his insurance...

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 1.7 million Americans are diagnosed with diabetes each year.  Complications can include heart attack, stroke, cardiovascular and kidney diseases. The...

We all know the value that Long-Term Care (LTC) coverage provides to your clients.  But there are times when our clients have certain impairments, making it difficult to qualify for a stand-alone LTC policy, or even an LTC rider. If you have a client who was previously turned down for this valuable...

Have you ever had a case resistant to the end zone, defeated by a carrier’s strong defense? On the field of impairment risk underwriting and in a contest of carrier vs. carrier, the final scoreboard can be unpredictable. Let's review the highlight reel of a recent case to get to a carrier winning...

One of our top rated carriers who has long considered e-cigarettes and nicotine vaping under their “Non Smoker” guidelines has very recently changed their stance on e-cigarette users. This change in underwriting stems from the newly publicized warnings regarding vaping and the links to recent...

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,...

Vaping and E-cigarette use has increased considerably in recent years. These battery-powered devices heat up liquid to create an aerosol that usually contains nicotine, flavorings and other additives. They are an alternative to traditional cigarettes and often used to assist with smoking cessation. In...

Asthma is a disease that affects the lungs and results in temporary narrowing of the airways. Symptoms include difficulty breathing, wheezing, coughing and tightness in the chest. It affects over 8% of adults in the United States. Diagnosis and severity of asthma is determined by lung function testing...