A Family History Of Heart Disease Doesn’t Have To Close The Door On Preferred!
A challenging cardiac family history doesn’t have to be the end of the story. When the right favorable risk factors come together, there may still be a path to a Preferred underwriting class—giving you another opportunity to keep the case, and the sale, moving forward.
Take a closer look at this underwriting success story:
- 55-year-old male
- Non-tobacco user
- Applying for $5,000,000 of UL coverage
- Receives annual checkups from his Primary Care Physician
- Favorable build, blood pressure readings and lab work including lipids
- Current medications include Lipitor and Lisinopril
- Recent cardiac work up was negative and has good risk factors
- Father died at age 58 of coronary artery disease
The outcome: Preferred!
This case is a powerful reminder that family history is just one piece of the underwriting puzzle. Strong individual risk factors, a favorable cardiac work up, and only one parental cardiac death can help create opportunities for underwriting credits—and open the door to a potential Preferred class.
Contact our Life Underwriting Department to explore what may be possible. Together, we can look beyond the challenge, uncover opportunities, and help turn your next complex case into your next success!