December 8, 2023 Credit Where Credit Is Due – Helping You Make The Sale! Diabetes is a metabolic disease in which a person has high blood sugar either because the body does not produce enough insulin or because cells do not respond to the insulin that is produced. The most well known types of diabetes are:Type 1 (treated with insulin)Type 2 (treated with a combination of diet, exercise and oral medications) andGestational diabetes (a type of diabetes which occurs during pregnancy.)When diabetes is coupled with a client who is not an ideal weight, the underwriting class will increase.We have an A+ carrier will give credit where credit is due – applying health and lifestyle credits to provide the best possible offer.Let’s take a look at this case study:54-year-old femaleNon-tobacco userApplying for $1 million of Term LifeHas type 2 diabetes; treated with MetforminBuild is 5′ 3″, 220 lbsInitial work-up – Table 4 On submission and review by this A+ Rated carrier, the client received Credits for:Lifetime non-smokerIncome > $100,000Preferred or better driving recordNegative cardiac testingControlled blood pressureOnce those positive credits were applied, this client went from Table 4 to an Underwriting Offer of Table 2. Contact our Life Underwriting Team today – let’s work together to make your next sale!