This A+ carrier will help you shape up for spring and beyond. With underwriting strengths in many aspects, think of this carrier as your personal trainer!
Occasional cigar users (two per month or less) can qualify for Preferred Plus, Preferred & Standard Plus non-tobacco rates if there is a negative urinalysis test
Clients who occasionally use marijuana may qualify for Preferred or Standard Plus non-tobacco rates
Here are some examples for family history underwriting strengths:
Family history qualifications do not apply if the proposed insured is 60 or older for Preferred Plus, Preferred & Standard Plus classes
Family history qualifications apply only to deaths rather than disease
Family history qualifications do not apply to gender-specific cancers for opposite sex persons
Family history of deaths due to diabetes can qualify for Preferred Plus, Preferred and Standard Plus classes
Underwriting strengths for common health impairments and non-medical risks:
Mild Asthma clients may be eligible for Preferred
Mild Sleep Apnea may be eligible for Preferred with verified C-PAP usage
Treatment for cholesterol or hypertension does not exclude a proposed insured from any Preferred classes
Maximum cholesterol levels for Preferred classes is 300 with favorable ratios; 5.0 or less for Preferred Plus, 6.0 or less for Preferred, 7.0 or less for Standard Plus
Commercial pilots for regularly scheduled passenger airlines can qualify for all preferred classes
Certain private pilots with IFR/ATP rating, flying between 50-250 hours annually and 1000 or more total hours of piloting experience may qualify for Preferred and Standard Plus classes
Preferred classes may be available for occasional scuba diving if proposed insured is certified and dives less than 100 feet
Call our Life Underwriting Department today – we can help you shape great offers and get more business on the books!