800.308.BELL
Carrier Specific Niche Impairment
Life Insurance carriers are constantly reviewing their underwriting decisions and how they pertain to new business and placement ratios. These decisions will often lead to the carrier becoming more lax on certain underwriting conditions in an effort to bring in more business for specific products and ages. We are constantly monitoring our own underwriting results as well as the announcements from the carriers to determine the best possible place to send a case with unique underwriting requirements.
Below is a listing of the major medical and financial issues we see in our cases. Many life insurance carriers have established progrmas that allow them to apply special consideration for these issues. Please follow the links below to see the appropriate marketing materials for these underwriting speedbumps.
Arthritis - Niche Underwriting
Asthma/COPD/Sleep Apnea – Niche Underwriting
Aviation/Foreign Travel – Niche Underwriting
Barrett's Esophagus - Niche Underwriting
Cancer – Niche Underwriting
Depression/Anxiety - Niche Underwriting
Diabetes – Niche Underwriting
Fibromyalgia - Niche Underwriting
Financial/High Net Worth Clients – Niche Underwriting
Heart Disease/CAD – Niche Underwriting
Parkinson's Disease - Niche Underwriting
Table Shave & Lifestyle Credit Programs
Tobacco Use – Niche Underwriting
Top Ten Carrier Underwriting Strengths
Non-Specific Life Insurance Underwriting Niches