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.

National Insurance Brokerage works with a carrier whose dual underwriting manual approach is designed to offer leading edge medical underwriting opinions for real-life 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 carrier's flexible, real-life approach could result in a more competitive offer.

Take a look at how this flexible approach to underwriting an applicant with diabetes can produce favorable results. (Results may be different based on the age, sex, and health status of your client).

A Real Life Applicant with Diabetes:

  • Male, age 82
  • Late onset of diabetes
  • Diabetes under good control with favorable hemoglobin A1c and Pro BNP
  • Favorable vascular profile
  • No evidence of renal complications, retinopathy or neuropathy or other co-morbid medical conditions or complications

The Reality: Diabetes

  • There are 25.8 million Americans - 8.3% of the population - who have diabetes.
  • 10.9 million, or 26.9%, of all Americans age 65 and older have diabetes.
  • Medical expenses for Americans who suffer from diabetes are more than two times higher than for people without diabetes.
  • Source: www.diabetes.org: National Diabetes Fact Sheet, 2011

 

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.

 

Want more information about this flexible underwriting approach, or any of our products and services? Let National Insurance Brokerage help you take your business to the next level! Contact us by phone at 1-800-291-7985 or email to find out more.
This material was gathered by National Financial Partners Corp. (NFP), its subsidiaries or affiliates for their registered representatives, investment advisor representatives and/or agents. Not for further distribution. Discusses fixed insurance products only.
The scheduled meeting is designed to provide general information in regard to the subject matter covered. It is not intended to provide legal, accounting or tax advice. Such services should be provided by appropriately licensed individuals. Accordingly, any information discussed cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code. National Financial Partners Corp., its affiliates and subsidiaries do not offer tax or legal advice. Reps and agents must be properly licensed to provide tax or legal advice.

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