Underwriting Program Improves Sub-Standard Ratings
One of our A+ rated carriers has underwriting crediting program that will benefit more of your clients.
Here’s an example:
- Seeking term coverage
- 45-year-old male, non-tobacco
- History of bipolar disorder with occasional minor episodes treated with medication on an as-needed basis – no daily medication
- History of elevated cholesterol with favorable cholesterol ratio of 3.17
- Family history of early heart disease – had a coronary artery calcium score test 3 years ago showing a zero calcium score (no heart disease)
- Favorable height/weight 5’10” 174 lbs. (BMI 25.0)
Initial assessment is Table B, but with the application of this crediting program, a more favorable underwriting decision is possible. Underwriting outcome; Standard!
Our Underwriting Team is here to help with all your impaired risk cases. Please contact us today for more information about this carrier and how we can help boost your sales.