One of  our carriers rewards clients for their good health by granting credits against their health impairment ratings - resulting in better underwriting classes for permanent plan cases. Studies have proven that people who live healthy lifestyles and who are generally fit, live longer – even if they...

One of our carriers bases pricing of their table rated cases off of Standard Plus rates, rather than Standard rates like most of the others. This pricing feature could make a significant difference to your clients' with multiple health impairments. Here is a success story: 46 -year -old male ...

Did you know that Non-Smoker rate classes are available on marijuana use?  In some cases, Best rates may be possible. Take a look at these potential rate classes for recreational marijuana use: 1 time or less per month may qualify for Preferred Plus Non-Smoker 3 times or less per week may qualify...

We are ready for the challenge... Bring us your difficult cases and let us help you turn them into policies for your clients and commissions for you. Case Study: Female, age 68, non-smoker Seeking $1 mil of UL Heart attack with two vessel disease and coronary bypass surgery performed 3.5 years...

When it comes to underwriting, one of our A+ carriers follows a responsibly aggressive approach and looks closely at controlled impairments. If a case qualifies for credits, they will apply them. Here's a great case study: 54-year-old female Non-tobacco user Applying for $1 million of Term...

Nothing makes an underwriter happier than details to health histories. When a health history ("I've got a guy" scenario) is shared with me, I look for the basics of the Who/What/Where/When and Why. These details help frame the health history and add context. The standard set of questions include: ...

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...

Have you had a case that was recently declined through another source? We may be able to help you find an offer - identifying the silver linings in challenging cases is a specialty of our Underwriting Team. Here is a case study: Male, age 69, NS Seeking $1 mil of term coverage Previously...

It may surprise you to know that cholesterol itself isn’t bad.  Cholesterol is one of the many substances created and used by our bodies to keep us healthy.  Some of the cholesterol we need is produced naturally while some of it comes from what we eat. There are two types of cholesterol: HDL,...