Case Studies
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We mean it when we say we won’t rest until we find life insurance and principal protection solutions for all your cases — even the tough ones. Discover how we tackled a few recent challenging cases, and return here often. We update Case Studies regularly.
CASE STUDY: Vegetarian Diet
Client profile: Male, age 28, Nonsmoker (NS) – successful family business. Applying for 50MM with an 800K premium What were the challenges? He was worked up and initially received a postponement due to slightly low hemoglobin and low MCV on his CBC. After consultation with his PCP and hematologist, it was determined that he was […]
CASE STUDY: Obesity and Drug Abuse
Client profile: Grandparent seeking a $3 M Whole Life policy for a 3-year-old with autism. Client had purchased a significant policy for each grandchild. What were the challenges? This child was diagnosed as on the spectrum for autism. He is totally non-verbal, but otherwise in good health and functioning. Due to the age, the medical people […]
CASE STUDY: Young Child with Autism
Client profile: Grandparent seeking a $3 M Whole Life policy for a 3-year-old with autism. Client had purchased a significant policy for each grandchild. What were the challenges? This child was diagnosed as on the spectrum for autism. He is totally non-verbal, but otherwise in good health and functioning. Due to the age, the medical people […]
CASE STUDY: Scuba Diving & PVD
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 […]
CASE STUDY: Major Speeding Violation
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 […]
CASE STUDY: Congenital Conditions & Heart Palpitations
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 […]
CASE STUDY: Previous Abnormal Breast Tissue
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 […]