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...

Carriers use crediting criteria to improve your clients’ ratings.  The following case study shows how the identification and application of underwriting credits can significantly reduce premiums. Case Study: Male, age 35, NS Seeking $2 mil of term Scenario: No tobacco use Build...

What is prostate cancer?  Prostate cancer occurs when cells in the prostate gland grow out of control. Some prostate cancers can grow and spread quickly but most grow slowly.  There are often no early prostate cancer symptoms, but some men have urinary symptoms and discomfort.  Prostate cancer...

Did you know: The liver produces all the cholesterol our body needs, however, dietary cholesterol (taken in through the foods we eat), causes the liver to send even more cholesterol into the bloodstream. High cholesterol can cause fatty build up in the arteries which increases our risk of heart...

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 You'd...

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,...

Getting life insurance for clients with a history of breast cancer can be challenging, but thanks to one of our A+ carriers, more of your clients with a history of breast cancer could be eligible for favorable rates. Take a look at these case studies: Case Study #1: 60 year old female who was diagnosed...

“Can we still use the same exam?" We often hear this question in underwriting.  Perhaps a client recently placed coverage and is considering applying for more.  Or maybe they did not receive the rate class they applied for and wish to apply to a different carrier. Whatever the scenario, it’s...

Parkinson’s disease affects about one million people in the United States and ten million worldwide. The cause remains largely unknown.  Although there is no cure, treatment options vary and include medications and surgery. One of our A+ carriers takes a responsibly aggressive approach to underwriting...

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-...