Underwriting

To view underwriting guidelines, build charts and underwriting requirements – click the link below, then select the specific product.

Learn more about Underwriting  
 
Leverage The Palmer Agency’s vast experience to guide you through the underwriting process. With over 50 years of case design and partnering with top insurance companies, we have the expertise to deliver quality protection for our producer’s clients.

Case Studies

The Palmer Agency specializes in helping clients underwrite challenging cases. Below are some case studies you can review.

NAILBA Field Underwriting Guide

This educational guide and practical resource was written with the producer in mind. Our best practices improve your chances of having your business placed quickly and easily!

Download the Guide

Two Cancers

Have you heard the word DECLINE too much lately? So have we, but The Palmer Agency doesn’t take NO as an answer!

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Alcohol

43 year old Male was treated for alcohol abuse in a 30 day inpatient rehab center 20 years ago. There have been no relapses in drinking and….

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Cancer within 5 years

Who said you can’t get a Preferred rate on a 56 year old female with a Breast Cancer history of just 5 years before? NOT US! …

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Hypertension/High Blood Pressure “HBP”

48 year old female diagnosed with high blood pressure two years ago and was prescribed Lisinopril. She has an excellent build and no other medical….

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Obesity/Build

35 year male with a build of 5’8” 232lbs and BMI of 35.3 diagnosed with high blood pressure one year prior and is prescribed Lisinopril….

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Melanoma

63 Female diagnosed with Stage 1A melanoma 5 year ago. The area was removed surgically. She has regular check ups with her dermatologist and…

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MVR and Build

Is your client’s build and driving history putting the brakes on your business? Get into the fast lane with The Palmer Agency…

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Sleep Apnea

46 year old male, diagnosed with severe sleep apnea 5 years ago.  Applicant has normal build, no history of smoking….

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Atrial Fibrillation

49 male presented his first episode of Atrial Fibrillation 8 years ago and second isolated episode 5 years ago.  Client has had regular cardiac ….

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Coronary Heart Disease/Coronary Artery Disease

56 year old male nonsmoker, diagnosed with asymptomatic CAD 3 years ago. At his physician’s recommendation…

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Diabetes Mellitus (DM), Type II Diabetes

52 year old male diagnosed with Diabetes Melitis at age 49 . Current build is 5’11” 241lbs with A1C of 7.0 and fasting glucose of 122….

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Liver Function Tests

39 year old male with a history of normal physicals and normal lab results. Insurance labs showed an elevated GGT at 132 and an elevated ALT…

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