Have you ever had a case resistant to the end zone, defeated by a carrier’s strong defense? On the field of impairment risk underwriting and in a contest of carrier vs. carrier, the final scoreboard can be unpredictable.
LET’S REVIEW THE HIGHLIGHT REEL OF A RECENT CASE TO GET TO A CARRIER WINNING PLAY
Consider this young 32-year-old gentleman seeking $1 million of UL coverage. He’s a non-smoker with normal build (6’0”, 167 lbs), but diagnosed with Type 1 Diabetes in 2014. He follows up every 6 months and demonstrates excellent diabetic control with an A1c of 5.5, a great improvement from 7.6 at the time of his diagnosis. He exercises on a regular basis and maintains a good diet. He had some work up done recently for paresthesias (numbness) in his neck, arm and leg. Blood tests and MRI came back normal.
WHAT DOES THE SCORECARD LOOK LIKE?
Carrier #1 – A giant loss as they declined to offer.
Carrier #2 – Even with table shaving in their playbook, Table 4 NT at best.
Carrier #3 – Despite its offensive strategy known for healthy style credits, their tentative Table 2 NT offer fell short of a first down.
Carrier #4 – Touchdown with Standard NT!
When you’re at the line of scrimmage, making the right call is essential to moving the ball down the field and into the end zone. The CPS Underwriting Team, made up of experts and all-star level talent, is here to help you scout the carriers, even the playing field – and win cases.