1st And Goal: A Carrier Winning Play In Underwriting

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:

A 70 year old male seeking $1 million of term coverage, Non-Smoker, 5’10” 180 lbs., takes medication for cholesterol. Was diagnosed with non-obstructive heart disease by coronary calcium score in 2016 and showing some progression in 2023 on a repeat calcium score. He is well followed and up to date on cardiovascular testing, including a nuclear stress test and carotid ultrasound in late 2023 with normal findings. He also has well controlled and stable pre-diabetes with current normal A1c reading.

What does the scorecard look like?

Carrier #1 – A giant loss as they declined to offer.

Carrier #2 – Their tentative Table D NT offer fell short of a first down.

Carrier #3 – Despite a healthy crediting program in their playbook, Table B NT was their best offer.

Carrier #4 – Touchdown with Standard Plus 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.

Our 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.