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...

Did you know that Non-Smoker rate classes are available on marijuana use?  In some cases, Best rates may be possible. Take a look at these potential rate classes for recreational marijuana use: 1 time or less per month may qualify for Preferred Plus Non-Smoker 3 times or less per week may qualify...

Nothing makes an underwriter happier than details to health histories. When a health history ("I've got a guy" scenario) is shared with me, I look for the basics of the Who/What/Where/When and Why. These details help frame the health history and add context. The standard set of questions include: ...

It may surprise you to know that cholesterol itself isn’t bad.  Cholesterol is one of the many substances created and used by our bodies to keep us healthy.  Some of the cholesterol we need is produced naturally while some of it comes from what we eat. There are two types of cholesterol: HDL,...

Epilepsy is a disorder characterized by recurring seizures.  Diagnosis is typically made when a person has had two or more seizures. Seizures are a result of disturbances in the electrical activity of the brain. There are many causes including genetics, traumatic brain injury, stroke and brain tumors. ...

Did you know: The liver produces all the cholesterol our body needs, however, dietary cholesterol (taken in through the foods we eat), causes the liver to send even more cholesterol into the bloodstream. High cholesterol can cause fatty build up in the arteries which increases our risk of heart...

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...