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...

“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...

It’s summer time and we all want to be in great shape! This A+ carrier will help you shape up for the summer and beyond.  With underwriting strengths in many aspects, think of this carrier as your personal trainer! Occasional cigar users (one per month or less) can qualify for Preferred Plus,...

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...

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...

Take a look at some surprising possibilities that can help you win a sale for clients with health impairments. Preferred Plus MAY be available even with the following conditions: Anxiety/Depression/Mood Disorder - One episode, duration of less than one year, recovered, no current medication Asthma...

If you feel challenged with significant adverse family history compromising your client’s ability to achieve Preferred rates, we have a solution. Our Underwriting Team is here to help with all your impaired risk cases. Here are some examples: Example #1 67- year- old male 5’10”, 190 lbs. ...

One of our A+ rated carriers has underwriting crediting programs that will benefit more of your clients. Here's an example: Seeking UL coverage 55-year-old male, lifelong non-smoker Moderate rheumatoid arthritis using Humira Well controlled blood pressure and lipids Normal Stress test...

Many executives and professionals undergo executive physicals each year.  These types of exams include a comprehensive health review, complete lab panels and cardiovascular testing.  These may be conducted at the individual’s personal physician’s office or through a formal program at major health...

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