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,...

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...

“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...

Parkinson’s disease affects about one million people in the United States and ten million worldwide. The cause remains largely unknown.  Although there is no cure, treatment options vary and include medications and surgery. One of our A+ carriers takes a responsibly aggressive approach to underwriting...

Our Underwriting Department can help you make the sale for your clients whose heavy build may be weighing down a chance for a favorable underwriting decision. The Reality: 71% of American adults are considered overweight and nearly 40% considered obese 20% of American adolescents ages...

Let’s talk about Diabetes.  This is a chronic condition associated with high levels of glucose (sugar) in the blood.  Insulin hormone produced in the pancreas helps to turn glucose from the food we eat into energy.  When the body doesn’t produce enough insulin or doesn’t effectively use the insulin...

Football is all about strategy – an effective game plan is essential for getting your team closer to the goal line.  On the field of impairment risk underwriting, its carrier vs. carrier and the final score can be unpredictable. Think of an underwriter as your quarterback – calling the right play...

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...

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 305 pounds could possibly qualify for Standard...

COVID-19 has certainly changed our personal daily way of life, from social distancing to face coverings and “drive-by” celebrations.  Businesses have also learned to adapt to new ways of doing business. The same is true for life insurance underwriting.  Carriers have had to adjust their medical...