65 y/o lady has a very complex medical history. It included an unusual type lung tumor that was resected in 1995, an adrenal tumor resected in 2005, a stroke as a complication of one of her surgeries, a thyroid nodule, and a congenital heart condition. The potential for adverse underwriting decisions was very high.
The carrier saw the case in a more favorable light because the underwriter presented a case summary that had clear description of each of the significant medical conditions. Rather than having to sift through a large volume of papers, the task was done for them and the salient points were outlined in an organized fashion. The underwriter was also able to appreciate the fact that either the medical conditions were well managed and were stable. Although underwriting rated the case, the producer did place it.