Client profile: Male, age 57, Scuba diver with Peripheral Vascular Disease (PVD), seeking $7,000,000 of X-year term life insurance with a monthly premium lower than $3000.00. What were the challenges?  When the case was submitted, it was approved at a higher than anticipated rating due to the high number of dives (100 per year). What […]

Client profile: Male, age 35, Recent major speeding violation (40 miles over limit), seeking $3.5 Million Term of term life insurance with an annual premium lower than $1500.00. What were the challenges?  A few carriers declined to offer altogether, with others offering $3.5/100 flat extra. What was the First American solution?  We nudged a little […]

Client profile: Female, age 51, Congenital Dysfibrinogenemia and Hypothyroidism and diagnosed with heart palpitations in 2019, seeking $1,500,000 term life insurance with an annual premium lower than $3000.00. What were the challenges?  Most offers came in at Table 2-3 and others declined to offer altogether. . What was the First American solution?  We urged the […]

Client profile: Female, age 48, Abnormal breast tissue (4 years prior) and family cardio history, seeking $15,000,000 of term life insurance with a monthly premium lower than $25,000.00. What were the challenges?  Agents’s primary company rejected application. Two other previous applications with prior BGA also were rejected. What was the First American solution?  We dug […]