– 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 & Guaranteed Issue 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 and Guaranteed Issue options. Visit our “Final Expense & Guaranteed Issue Options” page to consider the possibilities. Then give us a call to talk it through … Read more

– Your Clients’ Privacy

Protecting your client’s privacy & your career with important security steps.   Secure Email When we need to send sensitive information to you or one of our carriers we will encrypt the outbound email to protect you and your client’s privacy. Our new Secure email platform allows us to securely send and encrypt emails to you … Read more

– Obesity | Facts & Cases

A Leading Cause of Preventable Death It seems that we are reminded on a daily basis about the obesity epidemic, a leading cause of preventable death that afflicts about one third of adults in the United States. Obesity has been increasing at a frightening rate, more than doubling in incidence during the past 30 years, … Read more

– Diabetes | Facts & Cases

You may have witnessed an explosion in the number of diabetic applicants during the past several years. In 2007, according to the Centers for Disease Control and Prevention, more than 1.5 million adults aged 18 to 79 in the U.S. were newly diagnosed with diabetes. That same year, the National Diabetes Information Clearinghouse counted 23.6 … Read more