If you feel challenged with significant adverse family history compromising your client’s ability to achieve best rates, one of our ‘A’ rated carriers has a solution.
Here are some examples:
67- year- old male
5’10”, 190 lbs.
BP averages 140/84, total cholesterol 218, & Chol/HDL ratio 4.6
Father died at age 45 due to a heart attack and mother died at age 60 due to advanced breast cancer
No other adverse medical history in his APS records
Underwriting decision: Preferred Best!
Key factor: Family history is NOT considered when the proposed insured is older than 65. Therefore, the fact that our individual had two parents dying of heart disease/cancer at age 60 and younger had no bearing on the final decision.
42- year- old female
5’3”, 154 lbs.
BP averages 130/80, total cholesterol 220, & Chol/HDL ratio 4.2
Both hypertension and cholesterol are currently being treated with medications
Father passed away at age 59 due to prostate cancer
No other adverse medical history in her APS records
Underwriting Decision: Preferred Best!
Key factor: Gender specific cancers are not considered on proposed insured’s of the opposite sex. Since our female applicant’s adverse family history was due to a male disease, it also had no bearing on the final decision.
The CPS underwriting Team is here to help with all your impaired risk cases.
Please contact us today for more information about this carrier and how we can help boost your sales.