Underwriting Uncovered – The Diabetes Dilemma: Know the Underwriting Breakpoints Before You Submit

In diabetes underwriting, A1C is only part of the picture. Duration of diagnosis, related complications, and the overall severity of the risk can all influence how a case is assessed—and when a table rating becomes more likely. 

Join Chief Underwriting Officer Ken Turscak and Adam Cavalier for a practical session designed to help life insurance advisors better evaluate and prepare diabetic cases before submission. They’ll examine the current underwriting breakpoints that matter most, explain how mild, moderate, and severe risk profiles are viewed, and share ways to present more complete, better-positioned cases. 

What You’ll Learn 

• How A1C, duration of diagnosis, and diabetes-related complications affect underwriting 

• Where rating pressure begins to increase across different risk profiles 

• When a table rating may become difficult to avoid 

• Best practices for preparing and submitting diabetic cases 

Leave with a clearer framework for setting expectations, strengthening submissions, and approaching challenging diabetes cases with greater confidence.