How to Improve Underwriting Ratings on "THE BIG 3" Impaired Risk Cases
Monday, October 22nd, 2007 3:06 pm1. HEART DISEASE
Heart disease is the primary concern of underwriters, since cardiovascular disease is the number one killer of both woman and men.
- Are you on Medication? If so, what and how much?
- Ever had a Stress Test? What are the results and date completed?
- Ever had a Heart Attack? When did it occur?
- Ever had Bypass Surgery? What was the date of the procedure?
- Ever had Angioplasty? What was the date of the procedure?
- What is your “Ejection Fraction?” (EF measures blood-flow, normal EF is 55% or greater. If 50% or less, it indicates some degree of dysfunction. The lower the percentage, the worse the prognosis. Clients with an EF of 35% or less would probably be declined, or highly rated. A low EF would be a difficult case to place, if able to be placed at all.)
2. DIABETES
3. CANCER
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