Stefan Bruckel

Type 1 diabetics diagnosed as young as age 1 can now obtain life insurance. Let our medical underwriting directors negotiate life insurance offers for your diabetic clients.

Agents: Did you know ZYN users can now qualify for non-tobacco life insurance rates—even with nicotine in their labs? We quote fast, match smart, get your clients covered, and you paid.

Life insurance applicants can now take advantage of AI-accelerated, exam and lab-free life insurance underwriting from our industry’s leading insurers!  Even better: without exams or labs, applications can’t get rated or declined due to nicotine, elevated liver functions, or overall cardiovascular profile.

Life insurers roughly double the premium for tobacco users. Fortunately, several insurers offer non-tobacco rates to Zyn pouch users, chewers, dippers, and daily cigar smokers. Therefore, it’s very important to match applicants to the insurer that offers them non-tobacco premiums.

Life insurers sometimes require a flat extra premium to cover an applicant’s risky hobby. Avocation exclusion riders enable policyowners to eliminate that extra premium, provided they are willing to self-insure the extra risk. Carrier selection is key as only some insurers offer avocation exclusion riders.

Stop!  Before ordering life insurance exams and labs, let’s determine if your client is eligible for exam and lab-free underwriting. If not, this post contains tips you can share with your clients to optimize underwriting outcomes with a few minor behavioral adjustments in the days and hours leading up to the exam.