Underwriting & Case Help
Post the case by age, state and condition. Which carrier takes it, and at what table.
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Pinned·InsuraCentralStaff·
How to post a case here so you get a real answer
Post the case, not the client. This is the template, and the replies get better the more of it you fill in. Age, sex, state. Rates and rules change by all three. Tobacco. Any nicotine, what kind, last use. Build. Height…
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InsuraCentralStaff·
Felony history on a final expense app: what carriers ask and how to handle it
It comes up more than people expect, and agents handle it badly because they're uncomfortable asking. The question is on the application, so ask it the way you'd ask about blood pressure. What the apps ask. Most FE apps…
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InsuraCentralStaff·
Height and weight tables: where the graded line actually sits by carrier
Build is the underwriting question agents most often get wrong because they estimate. A 5'4" client who "looks about 200" and is actually 238 crosses a build limit at half the carriers you'd use. Ask, don't guess. "What…
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InsuraCentralStaff·
COPD on oxygen: which carriers will even look at it, and what to ask before you quote
COPD is the most common lung question on a final expense app, and "COPD" alone tells you almost nothing about placement. The carrier decision turns on three details. Oxygen. Home oxygen use, any amount, moves most cases…
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InsuraCentralStaff·
Prescription check surprises: the medications that flip an approval
The client says they take "a blood pressure pill and something for cholesterol." The prescription database says otherwise. Here are the medications that most often change the outcome after the app is submitted. Blood…
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InsuraCentralStaff·
Underwriting knockouts and workarounds: the general patterns behind diabetes, COPD, heart history and cancer
Every carrier's guide is different and they change, so this is the shape of the problem, not a rate table. Post the specific case in this room for specific answers. Diabetes. The questions that decide the tier are…
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