One of the most important aspects to placing more business is a knowledgeable underwriting team to be your advocate for those challenging cases.
The Life Underwriting team philosophy is “never say never”.
We don’t give up on a case because it’s difficult. We take on the challenge and look outside the box for solutions. This innovation sets us apart from the rest and helps to get more cases placed for your clients.
We were presented with case on a 60 year old seeking $1 million of UL coverage with a Long Term Care Rider. The medical records revealed a history of inflammatory arthritis and the LTC rider was declined:
Given the time gap since the last visit in 2018 and no updated status of current condition, we went back to the carrier to discuss getting interim details to reconsider. We learned there had been no further episodes of joint pain nor any use of medication treatment since 2016. After review of the updated details, the LTC rider was then approved! Case was placed!
If we had not gone back to the carrier for reconsideration, the case would have remained a decline on the books. Another way we made a difference to our broker and the client.
Let our Underwriting Team help you with your challenging cases and generate more sales this year. We look forward to hearing from you.
Excellence, Passion, Integrity, Collaboration and Creativity – our core values since 1974
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