“How to identify cases that need special handling”

Here is a list of indicators that your client is in need of special handling with their purchase of life insurance. They show high risk with regards to meeting underwriting guidelines – medical, lifestyle, and financial. They also show potentially high risk with regards to case management, and the overall application process. A senior level of “application management” could be needed to ensure advocacy for the client, and the procurement of complicated underwriting requirements.

The role of your general agent is to manage both the underwriting and the application processes to secure an approval at the rate quoted.

Recreational drugs; prescription drugs; gambling; alcohol; sex.

Application history
Declined or rated on prior applications.

Non-US citizen; temporary US resident; foreign resident with business or financial ties in the US; US citizen living or traveling abroad.

Criminal record
Charges; convictions; time served; probation.

Face amount
Extraordinarily high face amount; multiple policies; multiple carriers.

Financial record
Bankruptcies; liens.

Health issues
Includes everything from the neurological to the psychological; from immune system deficiencies to build/weight.

Rock climbing; mountain climbing; scuba diving; parachuting; extreme sports; and many other adventurous pursuits.

Medical exam issues
Aversion to needles; hard to draw blood.

Medical records issues
No current records available; inconsistencies and inaccuracies in medical records.

Motor vehicle record
Excessive points; license suspensions; DWI.

Higher-risk job duties; environment; workplace.

Owner/beneficiary designations
Charitable giving; corporate-owned; trust-owned; third-party involvement.

Job-related; leisure; missionary.

This week’s seminar will take place on Thursday, January 11th, 4:00 p.m. to 4:30 p.m. EST.

“How to place impaired-risk life insurance cases!”


A sales seminar with Darren Hardersen, FLMI, Principal of The Hardersen Group.

Darren is our General Agent with Crump, our MGA. He will provide tips on how to place impaired risk life insurance cases. He will explain how to prequalify your candidates so that the quotes you give them are not only competitive but reliable, so they can be confident their application will be approved at the rate quoted.


Find out how you can generate significant commission income by helping people purchase policies who have a serious medical condition; an adventurous hobby; an issue with their motor vehicle, financial, or legal record; or other rather risk factor that needs special handling.


Come join our LinkedIn group!


“How to make your strategic insurance partnership hum with activity!”


This group is for brokers and advisers who have formed a strategic partnership with the Office of Steven H Kobrin, LUTCF/The Hardersen Group/Crump. It is also for financial professionals who want to learn more and potentially join us.


Strategic partnerships among sales people, general agents, and wholesalers are the wave of the future in our industry. Together we can bring the best products and services to more insurance consumers than ever before. This group will provide you with ideas and insights on how to do that. 


Simply click this link to join the group!   https://www.linkedin.com/groups/8635490
If you are a Linkedin member, just click the link and login.  If you are not a Linkedin member, you can join after clicking the link.