14 Nov 2014
Posted by Lisa Oleski 
Looking for a company for estate planning situations in this unsure environment on the political landscape? For 2014, there is a 40% tax on estates in excess of the $5,340,000 exemption. It's difficult to assess what will happen in the future. Will the exemption be less? Will there be no exemption? ...
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19 Mar 2014
Posted by Lisa Oleski Looking for a company for estate planning situations in this unsure environment on the political landscape? For 2014, there is a 40% tax on estates in excess of the $5,340,000 exemption. It's difficult to assess what will happen in the future. Will the exemption be less? Will there be no exemption? ...
Read more → 26 Nov 2013
Posted by Lisa Oleski 
The life expectancy for a smoker is at least 10 years shorter than that of a non-smoker. With tobacco use accounting for nearly 1 in 3 cancer deaths, it’s no surprise smokers pay more for life insurance, all other factors being equal. It begs the question: Can your smoker clients get Preferred...
Read more → 01 May 2013
Posted by Trina Snowney 
Is that single impairment getting in the way of a good offer? One of our carriers has an underwriting program that can help improve mildly rated offers for your clients with certain impairments, both medical and non-medical, provided no other conditions apply. Here are some of the impairments that qualify...
Read more → 09 Apr 2013
Posted by Michael Do 
When it comes to underwriting, one carrier follows a responsibly aggressive approach and looks closely at controlled impairments. Our case study shows how a woman diagnosed with chronic atrial fibrillation was offered a standard rate. Thanks to medication and regular preventative care, many women diagnosed...
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15 Mar 2013
Posted by Lisa Oleski CHALLENGE Your client has been diagnosed with Obstructive Sleep Apnea and wants to qualify for best class. Many companies offer Standard as their best class for this impairment even with good control. SOLUTION One of our A rated carriers may consider this individual for Preferred Best rates dependent...
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