Client’s Family History Have You Down? We Have a Solution!
If you feel challenged with significant adverse family history compromising your client’s ability to achieve Preferred rates, we have a solution.
Our Underwriting Team is here to help with all your impaired risk cases.
Here are some examples:
Example #1
- 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.
Example #2
- 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.
Please contact us today for more information about this carrier and how we can help boost your sales.