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. ...

The thyroid is a butterfly-shaped gland located at the front base of the neck.  It produces hormones that regulate heart rate, blood pressure, body temperature and weight. Thyroid cancer occurs when abnormal cells grow in the thyroid gland.  The incidence of thyroid cancer seems to be increasing...

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...

Did you know that Non-Smoker rate classes are available on marijuana use?  In some cases, Preferred Non-Smoker rate classes may be possible. Take a look at these potential rate classes for recreational marijuana use: 8 or less days per month may qualify for Preferred Plus Non-Smoker 3 or more...

Imagine the thought of not being able to take in a breath, then suddenly gasping for air when you’re able to breathe in again.  Now, you’re probably thinking to yourself this sounds a lot like the feeling you sometimes get with certain not-so-favorable offers on impaired risk cases! All kidding...

One of our A+ rated carriers has underwriting crediting program that will benefit more of your clients. Here's an example: Seeking UL coverage 31-year-old male, non-tobacco History of bicuspid aortic valve with a valve replacement 12 years ago Favorable cholesterol 139, HDL ratio 4.0 ...

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

There are times when one pesky impairment keeps a case from getting a Preferred or better offer.  It may even lead to a loss of the sale. One of our carriers has an underwriting program that can give that little push needed to get Preferred classes and help to make the sale. This program allows for a one class...

Asthma is a disease that affects the lungs and results in temporary narrowing of the airways. Symptoms include difficulty breathing, wheezing, coughing and tightness in the chest. It affects over 8% of adults in the United States. Diagnosis and severity of asthma is determined by lung function testing...

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,...