79 y/o physician applies for a substantial amount of life insurance (survivorship coverage). His diagnoses include diabetes, hypertension and elevated lipids (body fats). Although he is under treatment, he is his own doctor (he had no personal physician).
Over the course of five months, the producer and SMC worked closely in identifying all of the underwriting concerns (and potential concerns). The primary focus was medical care. The producer was able to convince his client that he should establish himself with a physician. Now that the proposed insured was under the care of a physician, and doing well, underwriting saw the case more favorably. The case was placed standard.