REAL People, REAL Underwriting.

Let’s get real. Many of your clients likely have a medical history or a lifestyle that makes for a challenging situation when it comes to underwriting. At West Coast Life, our flexible approach to underwriting is designed for reallife scenarios. Whether your client has been treated for a previous cardiac event or certain types of cancer, has a plus sized build, or is a well-controlled diabetic, our flexible, real-life approach could result in a more competitive offer.

Take a look at how our flexible approach to underwriting a plus-sized build can produce favorable results. (Results may be different based on the age, sex, and health status of your client).

A Real Life Plus-Sized Build Applicant:
• Male, 6 feet tall, weighs 324 lbs.
• In otherwise good health
• Good cardiac risks factors other than the build
• Chest measurement is at least 1″ more than the abdomen

The Reality: Overweight Americans
• 67% of Americans are considered overweight
• 34% of Americans are considered obese.
• 15% of American children, age 6-11 years are overweight

Source: Centers for Disease Control and Prevention, www.cdc.gov

REAL. Our Underwriting Approach: Standard

Standard rating in this case is reserved for otherwise healthy risks with no significant medical conditions or poorly controlled risk factors.

Find out how West Coast Life’s flexible underwriting approach can take your challenging, real-life cases and turn them into success stories for you and your clients.

Contact our Underwriting Experts today at (800) 936 – 0339 option 1

WCLAG.1631 (08.10)
For Agent or Broker/Dealer Use Only. Do Not Use With Consumers.