

$15M Case without a Traditional Exam & Paramed
Exam and Paramed Free Underwriting isn’t Just for Small Face Term! Check out How we Placed $15MM without Traditional Underwriting Requirements.

A “Balanced” Approach to Accumulation IUL Case Design
Delivering superior consumer value and greater compensation than traditional accumulation designs.

Cover Letter Provides Financial Underwriting “Breadcrumbs”
Documenting the Recent Sale of a Business Turned a Lack of Financial Justification into Approval of a $15MM Line of Coverage.

Detailed Cardiac Workup Trumps Elevated NT Pro Bnp
Cardiac History Underwriting Comes Down to Which Testing Matters the Most in this Recent Win.

Effective Reinsurance Negotiation Secures Underwriting Win
Appealing to Reinsurance with a Re-packaged Underwriting File Bumps Offer from Standard to Best Class Despite Cardiac History.

Foreign National Proficiency Moves Case to the Win Column
Country Codes, Process and True Foreign National Expertise Made all the Difference in Placing this Case.

Life Insurance Declines Turned into a Long-Term Care Success
Mid-60’s Couple with Extensive Medical History Benefits from Difference Between Mortality and Morbidity Underwriting.

Multiple DUI History Overcome to Allow Buy/Sell Funding to Move Forward
Conflicting Office Notes Cause Initial Concern, but are Quickly Resolved with Repackaging and Letter from the Client’s Physician.

Overcoming an Abnormal EKG
In this Case, it’s when the Definition of Abnormal Varies from Underwriter to Medical Director. Our Appeal put this Case in the Win Column.

The Devil is in the Details in Case with Cardiac Complications
In this Case, Simple Human Error Regarding the Client’s Ejection Fraction was Identified and Resolved to Secure Key Person Coverage.