Monthly <h1 class="article_title">Clinical Underwriting Expertise</h1> <h2 class="article_subtitle">How Our Underwriting Expertise Affects You</h2> <p>In addition to the Internet Department of <a class="in_text_link" href="/">WholesaleInsurance.net</a> we have a Brokerage Department that helps insurance agents and brokers nationwide find competitive products for their clients who might have health or avocation challenges. These are independent brokers who always want the <a class="in_text_link" href="/offers/life-insurance.asp">best products</a> for their clients or agents from other companies who come to us only when their primary company cannot meet the needs of their clients. We specialize in shopping the market for the best product at the most competitive price for their client's particular situations.</p> <h2>Recent Examples of Our Underwriting Ability</h2> <ol> <li style="margin-bottom: 6px;">Dentist, age 56, had a stent inserted in an artery 8 months ago. The agent's primary company <em class="type2">DECLINED</em> to issue a policy at any price. Most companies would decline this applicant for up to 5 years. We recently found an A+ company that had done the research and determined that virtually 100% of the problems with stents occur during the first 6 months. They obviously have an edge in the market for this type of risk and the fact that we know about it gives us and the agent a competitive advantage. We were able to get this dentist a $1,000,000 policy at <em class="type2">STANDARD</em> non-smoker rates.</li> <li style="margin-bottom: 6px;">Homemaker, age 44, was 5' 3", 240 pounds. Most companies would <em class="type2">HIGHLY RATE OR DECLINE</em> this lady due to build. In doing our research we determined that her Mom had similar height and weight and was in good health at age 67. Further, this lady's Grandmother was 89, shorter and heavier, and was still going strong, and Aunt Mildred and Aunt Pearl had similar builds and were in their 90's! One of our A+ companies, when presented with this information, issued a $400,000 policy on her at a <em class="type2">PREFERRED</em> non-smoker rate.</li> <li style="margin-bottom: 6px;">State Employee, age 61, smoked half a pack of cigarettes daily. To almost every insurance company, if you smoke even one cigarette a month, you are a <em class="type2">SMOKER</em>. We recently found an A+ company that did the research and determined that occasional cigarette smokers are at no greater risk than total non-smokers. We were able to get this gentleman a <em class="type2">PREFERRED NON-SMOKER</em> policy for $750,000.</li> </ol> <h2>Other Areas of Underwriting Success</h2> <p>We've also had great results with <a class="in_text_link" href="/life-insurance-information/medical-glossary/">Sleep Apnea, some Cardiac Artery Disease, some Cancers, Crohn's Disease, Controlled Diabetes, Intestinal Bypass Surgery after one year, occasional Marijuana use (even got this 53 year old gentleman preferred non-smoker rates, most companies would decline him!)</a>, and many other <a class="in_text_link" href="/life-insurance-information/medical-glossary/glossary.asp">health and avocation challenges</a>. The President of one of the A+ companies we represent flies a private plane, scuba dives and smokes an occasional cigar on the golf course. He obviously thinks of himself as <em class="type2">PREFERRED</em> and offers others with similar habits and avocations preferred non-smoker rates.</p> <h2>Our Speciality</h2> <p>Our specialty is knowing this information and being able to use it to benefit our internet clients. Virtually <em class="type2">EVERY</em> case in our Brokerage Department is a case where the broker is in competition and needs the very most competitive product available or is in a situation where the applicant has health or avocation challenges. Because of this expertise we are unique in the internet business and our internet clients benefit from <a class="in_text_link" href="/">this special ability</a>.</p> <!-- Footer --> <div class="linkfooter"><a href="/unique-insurance-ability/client-representation.asp">Previous (We Represent You, Not Life Insurance Companies)</a><br /> <a href="/unique-insurance-ability/">Back to Our Unique Ability</a><br /> <a href="/">Back to Home</a></div> 2010-01-16T01:22:31Z Life Insurance Experts, High Risk Life Insurance, Underwriting Expertise, Clinical Underwriting 318 Life Insurance Agents: Underwriting Expertise at Wholesale Insurance. We set ourselves apart from our competitors with clinical underwriting expertise. life insurance agents, clinical underwriting, non-smoker rate, smoker, brokerage department, independent agent Clinical Underwriting Expertise 5 true 35 2010-01-18T22:27:42Z unique-insurance-ability/underwriting-expertise.asp