Our Underwriting Department can help you make the sale for your clients whose heavy build may be weighing down a chance for a favorable underwriting decision. The Reality: 71% of American adults are considered overweight and nearly 40% considered obese 20% of American adolescents ages...

The idea of getting your client examined for life insurance can be a challenge. Asking for a second exam after one was done in the not so distant past can jeopardize a sale.  Worry no more. Consider the Following: A 70 year-old female applied for $10 million of life insurance coverage with another...

Just as basketball fans had to get used to the 3-point shot first debuted by the NBA in the 1979-80 season, we must get used to current trends in underwriting. A blood test was introduced into the game and has been around for several years now.  It's called the proBNP. What is it?  The proBNP...

One of our top rated carriers made changes to their wellness crediting program to automatically give clients who maintain a healthy lifestyle the potential to be upgraded to a better underwriting offer and price. This program is open to: All Ages All Face Amounts Most of their product line...

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...

Mountain climbing, scuba diving, auto racing, aviation... Adventure enthusiasts may find themselves faced with an extra rating and increased premiums if they participate in any of these types of higher risk activities. But a recent Upgrade Program may help to remove an extra rating of up to $2.50...

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...

Diabetes, there’s no way to candy-coat it – this all too common yet serious disease can present some challenges in life underwriting. An estimated 1.7 million Americans are diagnosed with diabetes each year.  Complications can include heart attack, stroke, cardiovascular and kidney diseases. The...

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. ...