Faced with a rating which your client won't accept... or a decline?

If your client has
a history of:


  • Heart Disease
  • Diabetes
  • Stroke
  • Smoking
  • Sleep Apnea
  • Depression
  • Cancer
  • Alcohol or Substance Abuse
  • Driving Violations
  • Any Other Rateable or
    Declinable Conditions


Can your client answer "Yes"
to the following questions?


  • Control – Is this health issue controllable?
  • Compliance – Is the client following doctors' orders and adjusting lifestyle?
  • Family History – Does your client have a favorable family health history?
  • Complete Medical Information – Does the client take advantage of good medical care and can we gain all pertinent medical information