– Ulcerative Colitis

What is Ulcerative Colitis? Ulcerative colitis, which is the most common type of inflammatory bowel disease, is a condition of episodic inflammation of the lining, or mucosa, of the colon, resulting in bloody diarrhea. The other type of inflammatory bowel disease is Crohn’s disease. The cause of ulcerative colitis is unknown, but both environmental and … Read more

– Rheumatoid Arthritis

Characteristics Rheumatoid arthritis is an autoimmune disease of unknown cause that results in chronic systemic inflammation affecting many parts of the body, but primarily the joints. The clinical course is highly variable. The disease can fluctuate and may sometimes go into remission for months or years, either spontaneously or with the use of various medications. … Read more

– Parkinson’s | Facts & Cases

Characteristics Parkinson’s Disease is a progressive degenerative disorder of the central nervous system named after the English physician, James Parkinson, who published the first detailed description of the disease in “An Essay on the Shaking Palsy” in 1817. It is best thought of as a condition that impairs movement. The disorder is characterized by resting … Read more

– People Living with HIV

Underwriting Guidelines for Individuals Living with HIV UNDERWRITING Thanks to treatment advances, of the more than 1.2 million Americans living with HIV, many are living longer and healthier lives.* Prudential, Munich Re, and a company named ÆQUALIS are working together to offer life insurance to individuals living with HIV. ÆQUALIS has an educational, self declaration … Read more

– Top 10 Underwriting Niches

Preferred Plus consideration for cigarette smokers 3 years out Treated Hypercholesterolemia can qualify for Preferred Plus Treated Hypertension can qualify for Preferred Plus Combination of treated HTN/cholesterol can qualify for Preferred Plus Controlled Type II Diabetes can qualify for Standard Plus Asthma on two medications or less (well controlled) can qualify for Preferred Anxiety/depression on … Read more

– MS | Facts & Cases

Understanding MS Multiple Sclerosis (MS) is an inflammatory autoimmune disorder of the brain and spinal cord, characterized by neurologic dysfunction caused by damage to myelin, the fatty substance surrounding nerve cells that normally facilitates nerve transmission. For this reason, MS is referred to as a demyelinating disorder. MS occurs about twice as frequently in women … Read more

– Hypertension | Facts & Cases

Hypertension is more common than you think: Hypertension is common – 25 percent of adults in the world have it to some degree. About 90-95 percent is primary or “essential”, meaning the cause is not known or identifiable. This is usually what is seen in clinical practice and underwriting. The rest is secondary, and has … Read more

– Final Expense Options

Final Expense Life Insurance

For the Really Tough Cases… When your client’s health history is such that fully underwritten offers are unacceptable, too expensive, postponed or declined it’s worth reviewing the “Final Expense” options. Visit our “Final Expense Options” page to consider the possibilities. Then give us a call to talk it through at 800.842.8289.

– Your Clients’ Privacy

Protecting your client’s privacy & your career with important security steps.   Encrypted Emails for client’s personal information. When we need to send sensitive information to you or one of our carriers we will encrypt the outbound email to protect your client’s privacy and your career security. The first time (only) you receive an encrypted … Read more