DIY Campaigns

⏲ 6 min read ⏲

If you’ve had a “clean” life case get kicked out, rated, or declined with zero logic lately, it’s not you — underwriting really is feeling broken right now. Between accelerated/AI programs that operate like a black box, LTC riders being underwritten like a totally separate product, and carrier capacity shifting quietly behind the scenes, outcomes are getting harder to predict… and harder to explain.

In this piece (with Chief Underwriter Ken Turscak), we unpack what’s actually driving the weird decisions — and the good news most advisors are missing: more clients are insurable today than your old assumptions say — if you know how to position the case and where to take it.

⏲ 4 min read ⏲

Long-term care (LTC) isn’t just a line item in a financial plan — it’s a defining event in many families’ financial stories. Yet for many clients, it remains an afterthought — something to “get to later.”

⏲ 4 min read ⏲

Long-term care (LTC) isn’t just a line item in a financial plan — it’s a defining event in many families’ financial stories. Yet for many clients, it remains an afterthought — something to “get to later.”

⏲ 4 min read ⏲

Mental health is one of the most frequent—and often most misunderstood—factors in life insurance underwriting. Depression, anxiety, and bipolar syndrome come across our desks daily. Yet while these conditions are common, each case has unique factors that can mean the difference between a decline, a rated offer, or even a preferred class approval.

⏲ 6 min read ⏲

Most people hear “long-term care” and picture wheelchairs, full-time nurses, and a facility calendar packed with Salsa Tuesdays. In real life, though, the first wave of care almost always starts at home—and it’s not strictly medical. It’s the grocery run. The laundry. The ride to the appointment. The coffee someone brews when you can’t safely lift the kettle. 

⏲ 4 min read ⏲

In the past few years, one of the fastest-growing underwriting trends we’ve seen isn’t around traditional conditions like diabetes or heart health

⏲ 4 min read ⏲ When a new IUL hits the market, the question advisors always ask is: Does this product really solve problems for clients, or is it just another illustration game?

⏲ 3 min read ⏲ When it comes to life insurance underwriting, the world of marijuana and nicotine use isn’t as black-and-white as it used to be.

⏲ 2 min read ⏲ The conventional approach to designing accumulation-focused Indexed UL strategies involves minimizing the death benefit.

⏲ 7 min read ⏲ It’s tempting to use an “apples to apples” approach when considering the premium deposit used to fund an Asset-Based LTC solution.