The Situation
At 45 years old, Christine needs life insurance but has struggled to secure coverage due to her multiple health issues.
Her conditions include fibromyalgia, high blood pressure, thyroid disorder, and fatty liver disease.
She takes several prescriptions to manage her conditions, and is in the middle of a medication adjustment for her fibromyalgia.
The Challenge
Several insurers viewed the combination Christine’s multiple health conditions and an active medication adjustment as too high-risk.
As a result, she has been either declined, postponed, or quoted significantly higher premiums.
The Solution
Finding the right solution is fast and straightforward when you use Assumption Life’s
Simplified Selection Tool.
Christine was able to obtain immediate simplified issue coverage with Assumption Life’s
Platinum Protection.
Unlike some competing products, Platinum Protection
doesn’t ask any questions about the
diagnosis or treatment of:
✅ Fibromyalgia
✅ High blood pressure
✅ Thyroid disorders
✅ Fatty liver disease
Why This Matters
Being declined elsewhere doesn’t necessarily mean a client is uninsurable.
As long as the underwriting questions align with their medical history, hard-to-insure clients may also qualify for immediate coverage.
By understanding the nuances between different questionnaires, you can identify opportunities others may miss – and help more clients in the process.
Want to Learn More?
Do you have clients with a complex medical history?
Our
Quick Reference Guide can also help you find the right product.
To learn more, contact your Assumption Life representative.
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