Underwriting
Underwriting tips and strategies. Linked articles provide questions for certain impairments and introduce a variety of clever underwriting strategies. Posts are designed to encourage advisors to invite us to handle impaired or large risks on their behalf.
Second Underwriting Opinion
Second Underwriting Opinion Use this form if you have assisted a client who was rated or declined within the past 12 months. Submit with prior: Application Paramedical Exam Lab Results (not just the ticket) EKG Underwriting, aviation, avocation and similar questionnaires Underwriting comments explaining rating or decline Signed HIPAA (e-signature is OK) Depending on the […]
Guaranteed Issue Life Insurance
Guaranteed issue life insurance policies may be of interest to applicants who are otherwise not insurable. It is important for applicants to evaluate the premium costs relative to the benefits provided. Some plans require ongoing premium payments and it is possible a policyowner ends up paying more in premium than the eventual death benefit payout. […]
Avocation Exclusion Riders
Avocation Exclusion Riders Insurers often charge extra premiums for individuals who engage in private aviation or risky hobbies they call “avocations.” Some applicants believe this is silly. Nothing is going to happen to them! They may not be willing to pay the extra premium required. Instead, they want to self-insure for the possibility something happens […]
Underwriting Cover Letters
Ideas for cover letters to include with larger or more complex life insurance applications. The pages are in PDF format.
Underwriting Questionnaires
Our team of medical underwriting directors stands by to negotiate for our industry’s most aggressive insurance offer! Forward all available details to your Marketing Representative, send them via secure email, or upload at Overcoming Ratings & Declines. Please include MHQs, paramedical exams, lab results, EKGs, pathology reports, supplementary medical records, and underwriter comments from a prior […]
Executive Life Insurance Underwriting Strategies
Executive Life Insurance Underwriting Strategies Executive life insurance underwriting programs now enable some healthy applicants to obtain north of $150M coverage without insurance physicals. Clients love the convenience! Advisors also benefit by avoiding underwriting complications from elevated blood pressure, abnormal labs, or new t-wave abnormalities. When you work on jumbo cases, let’s try to de-risk […]
