Underwriting Anxiety History and Underweight
Situation – The client was rated substandard table 3 due to anxiety,
and allegedly being underweight at 5 foot 4 inches and 102 pounds. The carrier underwriting department cited the potential health risks associated with this, such as decreased immune function, cardiovascular disease, anemia, osteoporosis, etc. and therefore felt it was a ratable condition.
Details and Outcome – It was pointed out to the carrier by the DBS underwriter that the client had none of the potential health factors, nor a history of them. There were also no criticisms in her records of eating disorders, and her anxiety was resolved according to the medical records. Her labs were also normal on the insurance, and her weight was stable.
With these positive factors, the DBS underwriter had the case reconsidered for preferred best. Without this personal approach, the client would have been unnecessarily rated substandard and would have either not placed the coverage in force, or significantly and unnecessarily overpaid for her life insurance coverage.
