Mountain climbing, scuba diving, auto racing, aviation... Adventure enthusiasts may find themselves faced with an extra rating and increased premiums if they participate in any of these types of higher risk activities. But a recent Upgrade Program may help to remove an extra rating of up to $2.50...

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...

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. ...

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...

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...

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...

One of our top rated carriers who has long considered e-cigarettes and nicotine vaping under their “Non Smoker” guidelines has very recently changed their stance on e-cigarette users. This change in underwriting stems from the newly publicized warnings regarding vaping and the links to recent...

Vaping and E-cigarette use has increased considerably in recent years. These battery-powered devices heat up liquid to create an aerosol that usually contains nicotine, flavorings and other additives. They are an alternative to traditional cigarettes and often used to assist with smoking cessation. In...