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.
Life Insurance Underwriting Strategies for Applicants with Parkinson’s Disease Parkinson’s Disease (PD) is a chronic degenerative condition of certain cells in the brain. Incident rates rise with age, typically beginning after age 45. Approximately 1% of the population above age 60 has some form of PD. Life expectancy from the date of diagnosis is often […]
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Life Insurance Underwriting Strategies for International Travelers Lower labor costs have shifted the production of many consumer goods to remote undeveloped parts of the world. Global entrepreneurs and company executives are frequently required to travel to remote locations to set up and supervise manufacturing activities. These individuals, and sometimes their employers, are often interested in obtaining […]
Life Insurance Underwriting Strategies for Applicants with Anxiety Anxiety and related mood disorders are extremely common; most people will have related experiences from time to time. From a life insurance underwriting perspective, the greatest concern lies with a new diagnosis, moderate & severe bouts, and chronic disorders. In preunderwriting a risk, we need to differentiate […]
Life Insurance Underwriting Strategies for Applicants with Depression Depression and related mood disorders are extremely common; most people will have related experiences from time to time. From a life insurance underwriting perspective, the greatest concern lies with a new diagnosis, moderate & severe bouts, and chronic disorders. In preunderwriting a risk, we need to differentiate […]
Life Insurance Underwriting Strategies for Applicants with Mood Disorders Anxiety, depression, and related mood disorders are extremely common; most people will have related experiences from time to time. From a life insurance underwriting perspective, the greatest concern lies with a new diagnosis, moderate & severe bouts, and chronic disorders. In preunderwriting a risk, we need […]
Life Insurance Underwriting Strategies for Applicants with Heart Disease Heart disease is the leading cause of death in the United States. Most forms of heart disease develop over time, making age the leading risk factor. Behavioral variables, including a poor diet, tobacco use, build, and a sedentary lifestyle, are major contributors. High blood pressure and […]
Life Insurance Underwriting Strategies for Applicants with Multiple Sclerosis Multiple Sclerosis (MS) is a chronic degenerative disease of the central nervous system. The condition is diagnosed via MRI, spinal tap, or sensory nerve conduction studies. MS is caused by the removal of the myelin sheath, a protective layer that covers nerve cells to facilitate electrical […]
Life Insurance Underwriting Strategies for Applicants with Cancer One third of the US population will develop cancer during their lifetime, making it the second leading cause of death in the U.S. – second to death from cardiovascular causes. Cancer can arise in any tissue; however, some tissues and organs are more prone to cancer development. […]
Life Insurance Underwriting Strategies for Applicants with Atrial Fibrillation Atrial fibrillation (AFibs) refers to an intermittent (paroxysmal) or chronic (permanent) irregular heart beat. Increasing age is a key risk factor. Underlying causes include various forms of heart disease, alcohol abuse, hyperthyroidism, among many other possible causes. Underwriting Concerns: AFibs increase the risk of blood clot […]
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