Here are a few examples of how we’ve taken a challenging underwriting case and turned it into a WIN for the client:

From Decline to Super Preferred N/S
• Male, age 68, applied for $3,000,000 of insurance for the purpose of business Key Person coverage
• Underwritten and declined based on pancreatic cysts/lesions
• Trust Financial searches the marketplace and receives postpones until cysts/lesions are removed
• Ultimately, Trust Financial secures a Super Preferred N/S offer from a highly-rated insurance company without any additional medical procedure

From Decline to Standard Smoker Table B
• Female, age 32, tobacco user, applied for $500,000 of insurance for survivor income purposes
• Underwritten and declined based on history of alcoholism, drug addiction, and three DrivingWhile-Ability-Impaired offenses
• Trust Financial searches the marketplace and receives declines and highly-rated responses
• Ultimately, Trust Financial secures a Standard Table B Smoker rating from a highly-rated insurance carrier.

From Table 6 to Preferred Best N/S
• Male, age 43, applied for $2,000,000 of insurance for survivor income purposes
• Underwritten and rated Table 6 based on alcohol related issues
• Ultimately, Trust Financial secures a Preferred Best N/S offer with a highly-rated insurance company

From Table 2 to Standard N/S
• Female, age 74, applied for $800,000 as a result of an inforce policy audit in an effort to secure stronger guarantees and reduce premium outlay
• Received initial offer of table 2 based on history of Diabetes and elevated A1c
• Trust Financial appeals the approval
• Trust Financial’s unique approach to underwriting secures a Standard N/S and ultimately solidifies the sale