Sometimes cost and benefit product design are not the only contributing factors when deciding which carrier to apply with. Disability and life insurance carriers each have their own set of underwriting guidelines. Therefore, some are more favorable on certain criteria than another carrier might be.
For example, a carrier might be more lenient on an applicant’s history of cigar usage, marijuana usage (both recreational and medical use in states where legal), anxiety/depression, sleep apnea, family history, etc. Providing a complete history initially allows us the opportunity to apply with a carrier that might consider your history on a more favorable basis.
Our 25 years of experience and the long-standing relationships with the carriers we represent gives you the advantage of knowing which carrier may be right in your unique situation. Contact us today and find the best policy for you.