Underwriting
Here you can find all the necessary forms for underwriting
Impaired Risk Questionaires
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P
Q
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Underwriting Niches
Discover why top producers use The Rosenthal Agency! We work harder on your most challenging cases.
Did you know about these great niches?
All with A+ or A++ carriers!
- Standard plus diabetics onset age 50 or older A1C scores 7.0 or less!
- Best class Sleep Apnea for mild or moderate cases with CPAP use!
- Best class active duty military with orders!
- Best class if client’s parents died due to cancer prior to age 65!
- Standard plus for build male or female 65+ 6’ 294lbs!
- Ltci declines get ltc coverage with ul policies!
- Standard non tobacco rates on UL, current cigarette use OK!
- No flat extra’s or table rates pilots, private or student!
- Standard on UL if offered Table 3 up to $10,000,000!
- Standard plus with cholesterol up to 274!
- Best class asthma with steroid inhaler!
- Best class possible Hep. B and Preferred Hep. C possible!
- Standard plus non-smoker rate for any non-cigarette nicotine!
- Standard breast cancer Stage 0 in SITU, no waiting!
- Best class with 1 Elevated Liver Function score!
- Best class for depression treatment!
- Sibling history – no questions asked!
- Foreign Nationals living in other countries – Term or UL available!
Guidelines and
Requirements
These guidelines typically consider factors such as age, health status, lifestyle habits, and occupation. Requirements may include medical exams, lab tests, and health questionnaires. Understanding and meeting these guidelines is crucial for obtaining insurance coverage that meets your needs and provides financial protection for you and your loved ones.
XRAE®
XRAE® is a field underwriting tool that returns a health class rating or range based on published and unpublished carrier underwriting rules. Based on build, blood pressure, cholesterol level and specific impairment,* XRAE generates multi-carrier or single carrier underwriting results instantly, with table/health class and a price range. It enables you to set expectations with your clients at the beginning of the sales process.
What can XRAE do for you?
- Evaluate a client’s medical condition* against the proprietary underwriting rules of XRAE Partner Carriers
Evaluate substandard cases - Determine from XRAE’s Confidence Ranking the carriers most likely to approve the class shown based on the information provided
- Know the questions carriers would be interested in having answered for every major medical condition
Look for the “Lite” version of XRAE in the term quote engine!
Let's get in touch!
We invite you to reach out and connect with our team at The Rosenthal Agency
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