In the life insurance brokerage business, it is important for an advisor to align with a team of brokerage underwriters who advocate on the client’s behalf, helping to negotiate offers and navigating underwriting challenges. Having your brokerage underwriter, sales consultant and case manager all fighting for you and your client to obtain the best coverage available in the life industry is paramount.
We recently had a survivorship case that was assessed at Table 2 for the male due to an abnormal stress test, and Uninsurable for the female as we were unable to obtain any hematology records – there was a mention of thrombocytopenia history in her records. We appealed both offers with the following:
For the male, though the stress test was technically abnormal, we “argued” that we have an active, asymptomatic individual, the stress test depression was only 1 mm, those depressions occurred at peak exercise, and the stress echo portion was normal with no evidence of ischemia. After reviewing and discussing our arguments with the Chief Underwriter, the offer was changed from Table 2 to Standard.