Underwriting Case Studies

Independent Life Brokerage is an industry leader in securing offers on impaired risk cases.

If you face difficult underwriting challenges, review the following cases to see how we have turned a potential “no” into a “yes,” and secured favorable ratings and offers.

Cognitive Impairment or Normal Decline?

Life insurance carriers had issued standard policies on 72-year-old Nicholson for his entire adult life; his last policy had been approved just two years ago. However his latest attempt at coverage was denied when… Read More

When Medical Records Lie

Over the course of a year, Schmidt’s life insurance policy had been shopped by a number of general agents – all with the same result, a rated or declined offer. While the 80-year-old suffered from mild depression, her biggest stumbling block was an indication in her medical records that she had suffered… Read More

In 2006, Martin, a South Florida resident and business owner, was denied coverage for a $2 million life insurance policy because of a driver’s license suspension, aggravated assault with a weapon, numerous drug convictions and undisclosed criminal activity. When his broker checked back in 2009, Martin still needed coverage after another recent denial by several carriers… Read More

Obtaining More Coverage Despite Serious Medical Conditions

The Coopers hoped to make a 1035 exchange on their joint life insurance policy to ensure a robust wealth transfer to their children. But both Mr. and Mrs. Cooper were facing serious medical conditions that made it seem impossible for the couple to exchange and upgrade policies… Read More