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...

We know how to elevate your sales.  We are experts when it comes to new and innovative underwriting changes.  We also know which carriers to recommend for your challenging clients. Bottom line, we find ways to say "yes" to your cases. We represent carriers that can offer: Right away to individuals...

Have you ever had a case resistant to the end zone, defeated by a carrier’s strong defense? On the field of impairment risk underwriting and in a contest of carrier vs. carrier, the final scoreboard can be unpredictable. Let's review the highlight reel of a recent case to get to a carrier winning...

We see many applications that were initially quoted and subsequently submitted using rate classes that the client has no chance of qualifying for - and it should be no surprise that many of these policies end up being closed out or not taken by the insured. There are no secrets to the medical underwriting...

One of our top rated carriers who has long considered e-cigarettes and nicotine vaping under their “Non Smoker” guidelines has very recently changed their stance on e-cigarette users. This change in underwriting stems from the newly publicized warnings regarding vaping and the links to recent...

When it comes to underwriting, one of our A-rated carriers follows a responsibly aggressive approach and looks closely at controlled impairments. This carrier defines a true Standard applicant as one whose underwriting assessment requires no credits to achieve a Standard rate class.  If someone is a true...

Did you know? About 1 in 8 women in the US will develop invasive breast cancer over the course of her lifetime As of January 2018, there are more than 3.1 million breast cancer survivors in the US A woman’s risk of breast cancer nearly doubles if she has a first-degree relative (mother,...

Atrial fibrillation (AF or A-fib) is the most common cardiac arrhythmia (abnormal heart rhythm.) It’s a common cause of irregular heartbeat, identified clinically by taking a pulse. Chaotic electrical activity in the two upper chambers (atria) of the heart result in the muscle fibrillating (i.e....

If you were an underwriter and received the following application on your desk, what questions would you have? Female, age 35 Noted to be retired with no annual income; Net worth left blank on the app Seeking $8 million of term coverage; Purpose of coverage left blank on the app I know...

Vaping and E-cigarette use has increased considerably in recent years. These battery-powered devices heat up liquid to create an aerosol that usually contains nicotine, flavorings and other additives. They are an alternative to traditional cigarettes and often used to assist with smoking cessation. In...