Focus On: Heart Disease

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 Focus On: Heart Disease

This month, we focus on the #1 cause of death for both men and women in the United States: heart disease. Heart disease, or cardiovascular disease, is a collective term for various problems, including heart attack, heart failure, stroke, arrhythmia, high blood pressure, and many more.

According to the American Heart Association, more than 1 in 3 adults have cardiovascular disease, and while scientists and doctors continue to make significant improvements to modern medicine, the statistics on American heart health are still quite dis-“heart”-ening.

  • 34% of U.S. adults, or approximately 85.7 million people, are estimated to have high blood pressure (also called hypertension).
  • About 790,000 people in the U.S. have heart attacks each year, and of those, about 114,000 will die. Average age at the first heart attack is 65.3 years for males and 71.8 years for females.
  • Approximately every 40 seconds, an American will have a heart attack.
  • Between 2013 and 2030, medical costs of heart disease are projected to increase by about 100%.

Given how common heart disease is, it is very likely you will have at least one client with a heart problem come to you seeking life insurance coverage. And while the complexity of pre-underwriting such a major medical condition can freeze even the stoutest of hearts, fear not! FPG has created and given you access to the tools you need to not only pinpoint the client’s specific medical concerns, but also discover which carrier will offer the best underwriting class and premiums without asking too many delicate health questions. Our heart-related questionnaires will give us the information we need to get tentative quotes from our carriers so we can recommend who will give your client the best policy based on their needs.

Click on the links below, visit our website, or call your Case Manager or Marketing Director for more information today!

FPG Heart Disease Questionnaire

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FPG Heart Attack Questionnaire

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FPG Hypertension Questionnaire

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FPG Cardiac Arrhythmia Questionnaire

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source: American Heart Assoc., www.heart.org

Focus On: Mood Disorders

By | Life Insurance, Underwriting | No Comments

This month we focus on mood disorders, the most common of which are depression and anxiety, and which affect approximately 20% of the adult population of the United States. From an underwriting point of view, the mortality risk is due primarily to suicide, cardiovascular disease, and substance abuse. Research shows that risk is highest early in the course of the disorder or within a few years of a hospitalization.

Because diagnosing and underwriting mood disorders can contain a degree of subjectivity, most underwriters rely on information found in prescription history checks and medical records. They look for the type and number of medications a client may take, what degree of severity a client’s doctor has labeled the diagnosis, and whether the client has admitted to any suicidal thoughts, among other things.

If you know or suspect your client has a mood disorder, but don’t want to ask too many sensitive questions during the pre-underwriting process, we can help! Click on the following links to be directed to our  Depression and Anxiety Questionnaires. Have your client complete any and all relevant information on the form, in confidence if they so desire, and send it to FPG. Using the questionnaire and our quick-quoting tool, we will let you know which carrier can offer the best underwriting class for your client!

Call your Case Manager or Marketing Director for more information!

Legalization & Risk Class : The Best Life Insurance Carriers for Cannabis Users

By | Life Insurance, Underwriting, What's Trending | No Comments

California recently became the most populous state in the nation to legalize the recreational use of marijuana. With many states following this trend, which life insurance carriers offer the best underwriting for cannabis users?

Click HERE or the button below to download our carrier chart that includes carrier guidelines.

Did you know that marijuana use in the U.S. has doubled in the last decade, according to the National Survey on Drug Use and Health!

Understanding your clients options can set you apart from the crowd. Knowing what company can provide the most favorable rating and the best experience to your clients is just a click away! Download our chart by clicking the button below.

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