Imagine the thought of not being able to take in a breath, then suddenly gasping for air when you’re able to breathe in again.  Now, you’re probably thinking to yourself this sounds a lot like the feeling you sometimes get with certain not-so-favorable offers on impaired risk cases! All kidding...

One of the most important aspects to placing more business is a knowledgeable underwriting team to be your advocate for those challenging cases.  Our Life Underwriting team has a philosophy we call "never say never". We don't give up on a case because it's difficult.  We take on the challenge and look...

Long-Term Care and the cost of care can be overwhelming for most.  In the past, traditional stand-alone LTC policies were the only way to insure long-term care expenses. These days, there are more ways to obtain this valuable coverage – including LTC riders on Life Insurance policies. Underwriting...

Just as basketball fans had to get used to the 3-point shot first debuted by the NBA in the 1979-80 season, we must get used to current trends in underwriting. A new blood test was introduced into the game and has been around for several years now.  It's called the proBNP. What is it?  The proBNP...

In the years leading up to the development of Type 2 diabetes, most individuals go through an asymptomatic condition called pre-diabetes.  During this time, fasting blood sugar levels may be slightly elevated and there may be other signs of disruptions in normal metabolism, such as high triglycerides,...

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...

Diabetes, there's no way to candy-coat it - this all too common yet serious disease can present some challenges in life underwriting. An estimated 1.7 million Americans are diagnosed with diabetes each year.  Complications can include heart attack, stroke, cardiovascular and kidney diseases. The...

Family history of cancer can have an adverse impact on underwriting decisions despite a client’s own personal history of excellent health. While most carriers limit eligible rate classes for this particular family history, there are still a couple of A+ carriers that do not underwrite family cancer...

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...

As we approach Veteran's Day, let's take a moment to learn about opportunities for life insurance that will allow our men and women in the military to protect their families, offering them peace of mind while abroad. One of our carriers has extended a long standing policy to support our men and women...