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...

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...

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 300 pounds could possibly qualify for Standard...

Did you know that Non-Smoker rate classes are available on marijuana use?  In some cases, Preferred Non-Smoker rate classes may be possible. Take a look at these potential rate classes for recreational marijuana use: 8 or less days per month may qualify for Preferred Plus Non-Smoker 3 or more...

Cardiac related impaired risk cases can get somewhat challenging in underwriting.  There are many different types of heart conditions - from coronary artery disease to arrhythmias to congestive heart failure and everything in between. With each of these conditions, there are many different factors...

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...

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,...

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: ...