February 2, 2024 Get ‘Credit’ For The Work You Do A carrier’s underwriting assessment involves the review of the overall medical history and the application of crediting tools to improve upon and provide the best underwriting class possible. Here is a case study that demonstrates how credits can make a difference in the sale, by reducing the premiums:54-year-old femaleApplying for $1 million of term lifeHas type 2 diabetes; treated with MetforminBuild is 5’3”; 220 lbs.Initial work up Table 4. But with credits for:Lifetime non-smokerIncome of $100,000Preferred or better driving recordNegative cardiac testingControlled blood pressureFinal offer is Table 2! Do what’s best for your clients with health history. Contact our Underwriting Department for assistance with your impaired risk cases.