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...

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...

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...

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 1.4 million Americans are diagnosed with diabetes each year.  Complications can include heart attack, stroke, cardiovascular and kidney diseases. The...

Long-Term Care and the cost of care can be overwhelming for most.  In the past, traditional stand-alone LTC policies were the only way to insure long-term care expenses. These days, there are more ways to obtain this valuable coverage – including LTC riders on Life Insurance policies. Underwriting...

“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...

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...

If you were an underwriter and received the following application on your desk, what questions would you have? Female, age 35 Noted to be retired with no annual income; Net worth left blank on the app Seeking $8 million of term coverage; Purpose of coverage left blank on the app I know...

Football is all about strategy – an effective game plan is essential for getting your team closer to the goal line.  On the field of impairment risk underwriting, its carrier vs. carrier and the final score can be unpredictable. Think of an underwriter as your quarterback – calling the right...

Let’s talk about Diabetes.  This is a chronic condition associated with high levels of glucose (sugar) in the blood.  Insulin hormone produced in the pancreas helps to turn glucose from the food we eat into energy.  When the body doesn’t produce enough insulin or doesn’t effectively use the insulin...