March 31, 2015 · By BryanMark Group

Variability In Medical Underwriting

View All

When properly positioned in an intelligently designed estate plan, permanent life insurance can be one of the most versatile assets in managing the eventual payment of estate taxes. It can be, however, one of the more difficult assets to acquire. 

The purpose of this piece is twofold. First, we will look at real world case examples that illustrate the potentially wide variability in underwriting offers that a single insured may receive depending on overall health (Case 1) or certain specific lifestyle factors (Case 3). Second, we illustrate that just a small variation in the anticipated underwriting class (Case 2) can have a significant impact on policy pricing.

Download Now