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 58-year old male, non-smoker, seeking $1 million of UL coverage. At a comprehensive routine physical one year ago, he was diagnosed with mild carotid stenosis and an ultrasound finding of a single thyroid nodule. Other medical history includes neuropathy, mild osteoarthritis and acid reflux. A follow up thyroid ultrasound 6 months later revealed new thyroid nodules, although too small to biopsy. After consulting with a specialist for a second opinion, additional imaging was done and the specialist determined the nodules to be clinically insignificant. No biopsies were done.
Took a loss with Carrier #1 as they declined to offer. Tried a Table D with Carrier #2 – no go. Carrier #3 delivered more bad news at a Table 3.
Then, touchdown on Carrier #4 – Standard NT!
Score big on the insurance gridiron – our Underwriting Team, we’ll help you get your tough cases placed.
Phone: (949) 863-0700 ext.141
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