When it comes to underwriting, one of our A + rated carriers follows a responsibly aggressive approach and looks closely at controlled impairments. Don’t let one impairment, like elevated blood pressure force your client into a Standard Non-tobacco class. Here's an example for the record: 60-year-...

How much does an insurance company think that your client is worth?  Many times, it is much more than how much your client actually does, and we have their underwriting guidelines to prove it! Let's factor in the details that could multiply your sales. The most common insurance need among clients...

This A+ carrier’s underwriting guideline provides one more option for your client with a less than favorable family history. When it comes to underwriting, this carrier takes an aggressive approach and looks closely at controlled impairments. Let’s take a look at this Underwriting Case Study: ...

Our Underwriting Department can help you make the sale for your clients whose heavy build may be weighing down a chance for a favorable underwriting decision. The Reality: 71% of American adults are considered overweight and nearly 40% considered obese 20% of American adolescents ages...

Let’s talk about Diabetes.  This is a chronic condition associated with high levels of glucose (sugar) in the blood.  Insulin hormone produced in the pancreas helps to turn glucose from the food we eat into energy.  When the body doesn’t produce enough insulin or doesn’t effectively use the insulin...

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...

The thyroid is a butterfly-shaped gland located at the front base of the neck.  It produces hormones that regulate heart rate, blood pressure, body temperature and weight. Thyroid cancer occurs when abnormal cells grow in the thyroid gland.  The incidence of thyroid cancer seems to be increasing...

Our Underwriting Department can help you make the sale for your clients whose weight is an issue. One of our A+ carriers takes an aggressive approach to underwriting build cases. Some case examples that may surprise you: A man who is 6’ 0” and 305 pounds could possibly qualify for Standard...

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...

Back in elementary school we called the game Gossip.  You know, everybody got in a circle and the first kid started a story by whispering it into the ear of the person to the left and then he or she passed it on until it had gotten all the way around.  The last person would relate the story to the whole...