Tribute to Halloween: The undertaker — carrier impairment niches

By Steve Savant

The science of underwriting can be a daunting task for a field underwriting agent to understand. The insurance industry at large is not standardized in its approach or offers. Many carriers have emerged as benevolent underwriters in specific diseases as well as the preferred health category market. Matching a proposed insured's health information with the right carrier can generate significant saving for consumers. Online syndicated columnist and talk show host Steve Savant interviews impaired risk experts Joe Brita and Charlie Kuhn, who touch on multiple maladies and the carriers who appear to play in that substandard space.