Real Underwriting For Coronary Artery Disease
Our friends at the local agency CPS have shared a very exciting story will us regarding the topic of CAD. We often work side by side on cases in order to better serve our clients and are happy to relay this information to anyone whom this may help.
The Reality:
Coronary Artery Disease (CAD) is the leading cause of death in the United States. 17.6 million people alive today have a history of heart attack, angina pectoris (chest pain due to CAD) or both. This year an estimated 1.26 million Americans will have a new or recurrent coronary attack. Risk factors of CAD include elevated cholesterol and triglycerides, high blood pressure, diabetes, depression and family history of heart disease.
A Real Underwriting Approach to CAD:
One of our A+ carriers takes a flexible approach to underwriting that is designed for real-life scenarios. This carrier’s approach to Coronary Artery Disease could produce favorable results for your clients. Let’s take a look at this real life applicant with CAD.
- Male, non-tobacco, age 57
- Diagnosed with CAD at age 53
- Single vessel disease (95% blockage of the Left Anterior Descending artery)
- Successfully treated with angioplasty and stent placement at age 53
- Three year blood pressure readings 120/80 or less
- Total cholesterol of 185 with cholesterol/HDL ratio of 3.5
- An exercise perfusion scan performed within one year of the application revealed no evidence of ischemia, excellent level of fitness and an ejection fraction of greater than 55%
A Real Underwriting Decision: Standard!
Results may be different based on the age, sex and health status of your client.
Let the Finish Line Insurance Services Team help you take your challenging, real-life case and turn it into success. Call us today to learn more about this carrier and their flexible approach to underwriting.
