In the past, carriers looked stringently upon all cholesterol levels when underwriting a case. These days, there are some carriers who don't even consider total cholesterol levels anymore (assuming levels are higher than 150 and less than 300.) The Cholesterol/HDL ratio is considered the gold standard...Read more →
A1c, also referred to as hemoglobin A1c, is a blood test that reflects a person's average blood sugar level for the past 2-3 months and is often used as a measure of control. This test is frequently used to help diagnose new diabetes onset and to monitor ongoing control of blood sugar in diabetics. A...Read more →
This A+ carrier’s recent underwriting guideline changes now provides one more option for your client with a less than favorable family history. When it comes to underwriting, this carrier takes an aggressive approach and looks closely at controlled impairments. Let’s take a look at this Underwriting...Read more →
The Reality: 67% of Americans are considered overweight 34% of Americans are considered obese 15% of American children age 6-11 years are overweight. Many of your clients are likely to have a medical history or lifestyle that makes a challenging situation when it comes to underwriting. This A+ carrier...Read more →
Asthma is a chronic inflammatory disorder of the air passages that results in temporary narrowing of the airways. Symptoms include difficulty breathing, wheezing, coughing and tightness in the chest. It affects over 7% of adults in the U.S. Spirometry is a lung function test used to diagnose and determine...Read more →
Do you have a client who has suffered a stroke? If so, one of our A+ carrier's underwriting guidelines can help you get the offer your client needs. A stroke is an interruption of the blood supply to any part of the brain. It is sometimes called a "brain attack" and is otherwise known...Read more →
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