Have you ever had a case resistant to the end zone, defeated by a carrier’s strong defense?
On the field of impairment risk underwriting and in a contest of carrier vs. carrier, the final scoreboard can be unpredictable.
Let’s review the highlight reel of a recent case to get to a carrier winning play:
A 58 year old male seeking $1 million of term coverage, Non-Smoker, 5’11” 230 lbs., takes medication for cholesterol and blood pressure. Was diagnosed with Hepatitis C in his late teens due to a contaminated blood transfusion. Liver biopsies show stage 2 fibrosis with no evidence of cirrhosis. He had curative treatment in early 2015 with Harvoni and post-treatment testing showed sustained virologic response. Current liver function testing is normal.
What does the scorecard look like?
Carrier #1 – A giant loss as they declined to offer.
Carrier #2 – Their tentative Table E NT offer fell short of a first down.
Carrier #3 – Despite a healthy crediting program in their playbook, Table B NT was their best offer.
Carrier #4 – Touchdown with Standard NT!
When you’re at the line of scrimmage, making the right call is essential to moving the ball down the field and into the end zone.
Our Underwriting Team, made up of experts and all-star level talent, is here to help you scout the carriers, even the playing field – and win cases.