What Carriers look for when underwriting controlled impairments

Posted by Nickelle Leist on Thu, Jun 12, 2008 @ 01:42 PM

Controlled Impairments Play a Key Role in Underwriting

When it comes to underwriting underwriter's have a few tips to help you understand how controlled impairments are viewed - which in turn may help your life cases.

To underwriters, controlled impairments like the one's below indicate positive factors:

• Later age of onset of disease
• Compliance, stability, regular medical follow-up
• Risk-factor modification/clinical stability and improvement

In addition, they consider a possible range of ranting:

• Most cancers unisurable within two to three years of diagnosis
• Most require flat extras in years two through six insurable
• If cancer was metastatic, most are not insurable within 10 years from end of treatment