More people are being rejected or surcharged for life insurance now than ever before.
Modern diagnostic tests are discovering health impairments that previously went undetected. So, more of us are being treated for health problems.
Life insurance testing procedures are finding blood chemistry issues such as cholesterol, glucose, kidney and liver function abnormalities that people often aren’t even aware they have.
Diminished investment returns and increasingly restrictive reinsurance agreements have caused insurance companies to become much more conservative
Our methods assure you the best underwriting class and lowest cost available in the market.