– 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– Top 10 Underwriting Niches

– 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– MS | Facts & Cases

– 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– Hypertension | Facts & Cases

– 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– Final Expense & Guaranteed Issue Options

– 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– Your Clients’ Privacy

– A Powerful Cover Letter

By: Adam Thompson, March, 2015 We all have the opportunity to work on difficult or unique cases from time to time. There are a number of ways to handle the application submission, but a cover letter can provide clarity that can be the difference between tipping the scale one way or the other in the … Read more– A Powerful Cover Letter

– 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– Obesity | Facts & Cases

– 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– Diabetes | Facts & Cases

– Hepatitis C | Facts & Cases

Hepatitis C is contracted through exposure to infected blood. Intravenous drug use is the most common mode of transmission. There are a number of other modes of transmission, some of which include: blood transfusion prior to 1992, when routine testing of the blood supply for hepatitis C began;other exposures to hepatitis C in a health … Read more– Hepatitis C | Facts & Cases

– Breast Cancer | Facts & Cases

Breast Cancer Screening

 RISK FACTORS: According to the American Cancer Society, breast cancer is the most common cancer seen in American women, except for skin cancer, and is the second leading cause of cancer death in women after lung cancer. About one in eight women in the United States will eventually develop breast cancer. Risk factors for breast … Read more– Breast Cancer | Facts & Cases