United Security Assurance – LifeStyle Solutions Case Study

LifeStyle SolutionsSM
Case Study

United Security Assurance can issue more of your business. The following case study was pre-qualified over the phone and subsequently issued on our LifeStyle Solutions (LSS) plan, as applied. The case study below provides information obtained during the underwriting process and the final outcome.

Agent emailed the following information:

  • Age: 79 year-old
  • Height & Weight: 5’8″, 225 lbs.
  • Medical Conditions: Knee replacements in 2012 and 2014, issues resolved; Cataracts removed 2015; High blood pressure.
  • Medications: Amlodipine, Irbesarten, and over-the-counter Osteo-Bi-Flex and Tylenol for osteoarthritis (general).
 

Based on the information provided, the agent was advised to submit the client at a class 1 rate on the LSS plan.

Client’s phone interview revealed the following:

  • He volunteers at Church and VA
  • Golfs, walks 5K, and does yardwork;
  • Former smoker, however quit in 1976;
  • Bilateral catarac surgery, March 2016;
  • Left knee replaced, October 2014;
  • Right knee replaced, December 2012;
  • Arthritis in hands;

  • Left thumb surgery, April 2011;
  • Uses CPAP for sleep apnea;
  • Had herniated buldge low back, 25-30 years ago;
  • High BP (124/89, February 19, 2018;
  • Kidney — Nephrology consult decreased function 78%;
  • Prostate enlarged
   

The medical records were requested and confirmed all the history provided on the personal history telephone interview, and confirmed his build to be accurate.
 

Underwriting outcome:

This client was issued the LSS plan at a class one rate, as applied; a comprehensive long term care plan that this agent was having trouble placing elsewhere. United Security Assurance Company was able to insure him by utilizing our common sense, lifestyle approach to underwriting. The LSS plan has four underwriting class ratings available, and for the fact we use a lifestyle approach to underwriting, we are able, in most cases, to offer coverage to clients who have been declined from another carrier.

Please call or email the underwriting department with information about your client and see how United Security Assurance can help you, help our client get the coverage they need.
 

United Security Assurance – LifeStyle Solutions Case Study
 

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