The monthly life insurance underwriting update for January 2013

By Steve Savant

Ash Brokerage Corporation


It was a wild fourth quarter for impaired risk underwriting, with table shaving and lifestyle credits programs generating some of the most benevolent underwriting offers in a decade. But perhaps the real driver of substandard underwriting this last quarter was the carrier quest for market share. Competition is so fierce that it forces carriers to make business decisions over their established underwriting requirements and procedures. Steve and Jessica review some of the offers on impaired risk cases that made headlines during the substandard season.