Enhanced Underwriting with North American Life

7 Case Studies That Show How Underwriting Enhancements from North American Company Deliver

Have you heard about North American’s latest Underwriting enhancements? These enhancements are driven by a commitment to continue to provide competitive offers.

Using examples with Guarantee Builder® Indexed Universal Life Insurance and Custom Guarantee® Universal Life Insurance, below are seven real-world case studies showing how these exciting updates actually affect real consumers. The first six examples compare the premium to guarantee $500,000 of death benefit for life. The seventh compares commissionable target premium.


Meet Steven…
On Steven’s blood test his cholesterol was 275 with a cholesterol ratio of 4.8. The rest of his medical history is favorable and he otherwise qualifies for Super Preferred. However, in the past we would limit Steven to Standard rates. The good news is, with the new guidelines, Steven would now qualify for Super Preferred rates.
Previously, Steven’s cholesterol would have been limited him to Standard rates, but now we can provide an offer at the Super Preferred Non-Tobacco rates!

Meet Juan…
Juan has a history of chronic lower back pain due to a car accident he was involved in three years ago. His pain is well defined and localized, and requiring daily medication. After a month his daily medication doubled, and this dose has been steady since that time. The proposed insured has no physical impairments and is able to work full time. This would have previously limited Juan to Standard rates, but now we can provide an offer at the Preferred Non-Tobacco rates.

Meet Jake…
Three years ago, Jake discovered he had sleep apnea. He is compliant with treatment, and the apnea is well controlled. This condition would have previously limited Jake to Standard Non-Tobacco, but we can now approve at Super Preferred Non-Tobacco rates.

Meet Sara…
Sara has a history of depression, which was found 14 months ago. The depression is well-controlled with medication. She has no history of alcohol or drug abuse and works consistently. In the past, we would have been limited to Standard rates; however given our new criteria, we can now approve at Preferred Non-Tobacco rates.

Meet Lucy…
For four years, Lucy has had a history of anxiety, and it is well-controlled on medication. She has a great driving record, build and labs. In the past we would have been limited to Preferred or Standard rates but given our new criteria, we can now offer at Super Preferred Non-Tobacco.

Meet Leonard…
With a history of treatment for high blood pressure, Leonard’s blood pressure reading was 130/82 on his exam. His medical history is otherwise favorable, and he qualifies for Super Preferred rates. In the past we would have limited him to Preferred rates. However, in view of the new criteria, he now qualifies for Super Preferred rates.

Meet Alexander…
Alexander is Standard risk class and has a net worth of $10 million with an income of $100,000. He currently has no life insurance in place. The purpose of the coverage in addition to death benefit protection is estate protection. Under the prior estate preservation calculation we would consider for up to $4,200,000 of coverage. However, per our latest enhancements, we can now consider for $7,600,000 of coverage.

For more details on these seven case studies, click HERE!


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