Sentinel Underwriting Tip


Osteoporosis is a disease of the bones. It happens when you lose too much bone and/or make too little bone. This means your bones become weak and may break from a minor fall or, in serious cases, even from simple actions, like sneezing or bumping into furniture.

Osteoporosis means “porous bone.” Under a microscope healthy bones look like a honeycomb but in bones with osteoporosis the honeycomb holes and spaces are much bigger. This means your bones have lost density or mass and that the structure of your bone tissue has become abnormal making the bone weaker and more likely to break.

FACT: One in two women and up to one in four men will break a bone in their lifetime due to osteoporosis. For women, the incidence is greater than that of heart attack, stroke and breast cancer combined.*

Medicare Supplement underwriters are concerned with fractures and so Osteoporosis with any fracture will be a decline. Our underwriters will want to know more information about hospitalizations, surgeries, medications, and other osteoporosis treatments.

Our life insurance underwriters will want to know whether there have been recent hospitalizations, upcoming surgeries, or limits to mobility. If there are no complications from osteoporosis then your client may be eligible for a New Vantage I.

* National Osteoporosis Foundation