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 at the right time to get your case into the end zone.
We were presented with a 67-year old female, non-smoker, with well controlled borderline diabetes, seeking 500k of UL coverage. She was diagnosed with Stage IB, T1c breast cancer with one lymph node micrometastasis in 2011 which was treated with surgery and radiation, ending the same year. Mammograms were completed annually, kept up to date, and all follow ups were favorable.
Took a loss with Carrier #1 as they declined to offer. Tried a Table C plus a $20/1000 flat extra for 4-years with Carrier #2 – no go. Carrier #3 delivered more bad news using their Table B plus a $10/1000 flat extra for 1-year. Then, touchdown on Carrier #4 – Standard NT and a target premium of 12k.
Score big on the insurance gridiron – our Underwriting Team, we’ll help you get your tough cases placed.
Excellence, Passion, Integrity, Collaboration and Creativity – our core values since 1974
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