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Discover an easier, faster way to sell life insurance

Your client looks to you for access and guidance on the best life policies available for them.  However, they likely have an idea in their mind of what they want to spend and how much it should cost them.  This isn’t necessarily a bad thing as much as it is simply human nature.  As we know, life insurance rates are based on a number of factors, many of which the client may not fully understand.  Managing your client’s expectations alongside the reality of their insurability is an important part of your business.  This is why solid underwriting skills and resources are so essential to keeping your client informed and engaged.

Let us know how we can best serve you.    

How Trust Financial Goes to Bat for Our Advisors

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

Advisor Guides & Checklists

From private aviation guidelines to table shave programs, new business processing operations to accelerated underwriting programs, you have at your fingertips the most up-to-date information from our top carriers.

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