Written by Matt on June 16, 2010 – 8:15 am
Life insurance from US insurers is now available for residents of many countries! This special underwriting program is for any person who is not a U.S. citizen, permanent resident (Green Card Holder) or individual living in the U.S. with a valid work visa. This includes applicants with a visa anticipating a short term or temporary [...]
Written by Matt on May 6, 2010 – 12:07 pm
The ABC guide has recently been updated. You will find the following: Updated information in the medical impairments section. New sections to give guidelines and details about financial underwriting, HealthStyles, LifeCare and professional athletes. Handy reference aids in front pocket on Age and Amount Requirements (IM4519) and Guide to Retention and Reinsurance (IM4518) (these two [...]
Written by Matt on April 22, 2010 – 3:15 pm
This extensive guide to medical, nonmedical, and financial underwriting gives you a high level overview of dozens of underwriting challenges and will help you gather the information we need to assess a case. Continue reading for the full guide. For fast help with your most challenging life cases, call 800-936-0339 option 1 today!
Written by Matt on April 7, 2010 – 10:49 am
AXA Equitable is pleased to announce new automatic reinsurance limits for ages 66 through 80, effective April 1, 2010. Meanwhile, our high retention limits of $20 million for individual and $25 million for joint survivorship, which are independent of automatic reinsurance limits, continue to demonstrate our strong financial standing, experience and knowledge to support your [...]
Written by Matt on April 5, 2010 – 6:19 pm
Courtesy of ANICO Perhaps the most troublesome medical impairment we see today in underwriting is Atrial Fibrillation. Atrial Fibrillation (A-Fib) is a common arrhythmia found in 1% of people over age 60, 5% of people over age 69, and 11% of apparently healthy people over age 75. Prevalence is higher in males than females and [...]
Written by Matt on March 1, 2010 – 8:36 am
Special considerations for non-cigarette tobacco-using clients Do any of your clients suffer from high life insurance premiums simply because they enjoy cigars or pipes? Lincoln‘s dedicated customer-focused underwriting takes a client’s entire risk profile into account. Lincoln offers the standard nonsmoker risk classification to tobacco-using individuals who – Meet all standard criteria and other criteria [...]
Written by Matt on February 20, 2010 – 2:00 pm
Need a quick idea of whether a certain condition is insurable or not? Looking for some fast guidance on how underwriters view a particular impairment? Our Quick Guide to 60 Medical Impairments life undewriting guide is for you! This easy to use chart tells you the normal rating ranges for general conditions, and also gives [...]
Written by Matt on February 13, 2010 – 4:19 pm
Family history isn’t the barrier to underwriting that it used to be! One major insurer has just updated their undewriring guidelines to allow Preferred for clients 60 and older despite family history of cardiac disease or cancer. Clients 65 or older with the same history can be conisdered for the best possible underwriting class! Contact [...]
Written by Matt on February 13, 2010 – 4:05 pm
AXA Equitable’s Good Health Credit Program – an underwriting credit system based on lifestyle and health factors Give credit where credit is due: Now available to upgrade standard risk classes to a preferred class Under the Good Health Credit Program (GHCP), a proposed insured with a demonstrated healthy lifestyle can get credits to improve their [...]
Written by Matt on February 13, 2010 – 4:03 pm
Elevated Liver Function Tests (LFTs) aren’t always an underwriting problem. Continue reading to learn how clients with elevated LFTs can still qualify for super preferred rates.
Written by Matt on February 6, 2010 – 8:36 am
Key things to keep in mind: American General has three different Financial Questionnaires and requires Third Party Financials for certain ages and amounts of coverage. Please pay special attention to Type of Insurance (Personal or Business), Age and Face Amount to determine the appropriate requirements. Among other databases, American General utilizes financial and real property [...]
Written by Matt on February 2, 2010 – 11:50 am
Lincoln National’s Top 10 Competitive Strengths
Written by Matt on February 1, 2010 – 11:59 pm
The latest update to Undewriting Niches highlights Axa’s underwriting for: Preferred and Elderly Preferred Respiratory CAD (Coronary Artery Disease) Cardiac (non-CAD) Cancer/Tumors Diabetes Mellitus Lab Abnormalities
Written by Matt on October 19, 2009 – 6:37 am
If your clients show indicators of a healthy lifestyle, they may earn credits that offset the risk of some medical impairments! ✓ alcohol use (1-7 servings per week) ✓ education (college degree) ✓ routine medical doctor visits (healthy results; two visits in the past four years) ✓ life-time nonsmoker (or quit tobacco use more than [...]
Written by Matt on October 16, 2009 – 10:30 am
ANICO has developed new underwriting credits for clients with a positive lifestyle and health maintenance!
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