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...

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). ...

“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...

Many executives and professionals undergo executive physicals each year.  These types of exams include a comprehensive health review, complete lab panels and cardiovascular testing.  These may be conducted at the individual’s personal physician’s office or through a formal program at major health...

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...

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,...

There are times when one pesky impairment keeps a case from getting a Preferred or better offer.  It may even lead to a loss of the sale. One of our carriers has an underwriting program that can give that little push needed to get Preferred classes and help to make the sale. This program allows for a one class...

Imagine the thought of not being able to take in a breath, then suddenly gasping for air when you’re able to breathe in again.  Now, you’re probably thinking to yourself this sounds a lot like the feeling you sometimes get with certain not-so-favorable offers on impaired risk cases! All kidding...