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How A Stepwise Approach Might Improve Your Chances with Insurance Applications
Professional advisor guiding a client through life insurance options, reviewing documents and discussing the best strategy for individuals with a history of diabetes.

Philippe Deray
Dec 33 min read


Informal Underwriting in Impaired-Risk Life Insurance: What It Can and Cannot Do — A Complete Guide for Agents and Consumers
Informal underwriting helps assess approval chances and avoid MIB declines for impaired-risk life insurance, even after prior denials.

Philippe Deray
Nov 246 min read
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