Underwriting

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 […]