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...

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...

Epilepsy is a disorder characterized by recurring seizures.  Diagnosis is typically made when a person has had two or more seizures. Seizures are a result of disturbances in the electrical activity of the brain. There are many causes including genetics, traumatic brain injury, stroke and brain tumors. ...

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...

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...

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...

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 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...

Obesity in the United States has been increasingly cited as a major health issue in recent decades.  While many industrialized countries have experienced similar increases, obesity rates in the United States are among the highest in the world. There are several types of surgeries that fall under...

“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...