Underwriting exceptions
Our medical underwriting directors constantly negotiate underwriting exceptions with the chief underwriters at our industry’s leading life insurers. They know which carriers are willing to make incredible offers. Take a quick look at the posts below. They represent a small sample of recent underwriting successes. Our medical team is ready to go to work for your clients too! Call us at (562) 431-4000 to strategize. You can also send us case details via secure email, or simply complete our online case design request form. Let’s identify the right carrier, get your client covered, and you paid!
Life Insurance Underwriting Strategies for Diabetes
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.
AI Exam and Lab-Free Life Insurance
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.
Tobacco Underwriting Exceptions
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.
Avocation Exclusion Riders
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.
Prepare for a Life Insurance Paramedical Exam
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.
$15M Exam and Lab Free Life-Insurance
Business owners and c-suite executives who undergo annual executive physicals at Mayo Clinic or similar may now qualify for up to $150 million of life insurance without additional exams or labs.
