The SWAT Underwriting team at Highland is respected in the industry. Carriers know this team “plays fair” with their case requests and this engenders trust. When a borderline case arises, the carrier will give more consideration to the SWAT team. This is much like basic human nature — people will work harder to find a solution for you when they trust you. In the case study below, learn how this diabetic client benefited from the seasoned SWAT Underwriting team.
- Client: Male, Age 35, Smoker
- Health: Insulin-dependent diabetic, Age 14 onset
- Life Insurance Requested: $4M IUL
- Initial Offer: Table 10
- Offer with Credits for Control: Table 8
- SWAT Intervention Offer: Table 6
Typically, an insurance carrier’s best offer for an applicant who is a smoker and has insulin dependent diabetes is a Table 10. However, in this case, because the diabetes was well controlled, the carrier offered credits which improved rating to a Table 8.
The client did not accept the offer.