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: Underground Miner
Client profile: This case presented with a Male, age 35 Non-Smoking (NS) looking for $1MM term policy. What were the challenges? The client’s occupation is as an underground miner in Montana. What was the First American solution? Any mining occupation can be subject to a flat extra premium for the life of the policy/ occupation. […]
CASE STUDY: Newly Diagnosed Diabetes and Anxiety
Client profile: Male, age 48 looking for $2MM term life was recently diagnosed with type two diabetes and prescribed Farxiga a (very low dosage) with a 7.1 a1C. Secondly, he was also diagnosed with anxiety recently and was prescribed bupropion. What were the challenges? The advisor’s primary carrier offered at table 8. FAIU received 6 […]
CASE STUDY: Rare Side Effects of Medication
Client profile: Female, age 63. Applying for a $5 MM 15 year term. What were the challenges? She presented as a very healthy woman with the use of 2-3 alcoholic beverages 4 times per week and a 3 year old history of ruptured with complications requiring a course of antibiotics. The antibiotics caused the proposed […]
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 […]