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...

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...

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...

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...

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,...

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). ...

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...

Sleep apnea is a serious sleep disorder.  If left untreated, it can result in a growing number of health problems including high blood pressure, stroke, heart failure, diabetes and depression. Here’s the good news – it is possible to get Preferred considerations on successfully treated sleep apnea. If...

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...

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...