Underwriting Tips | GoldenCare Agent

Underwriting Deep Dive: The Truth About Declines: It’s Not Always What You Think

by Contributor | Oct 23, 2025 | Underwriting Tips

By Renee | Underwriting Corner Underwriting Tip:Declines aren’t always black and white.Sometimes they’re a miscommunication.Sometimes it’s missing information.And sometimes? They’re just wrong. That’s where a sharp agent-and a strong underwriting partner-can...

Underwriting Deep Dive: One Year vs. Two Years vs. Ever: Timing Is Everything

by Contributor | Sep 3, 2025 | Underwriting Tips

By Renee | Underwriting Corner “She was diagnosed with cancer three years ago, why was she declined?” Underwriting Tip:Timing kills deals but it can also save them. The difference between “yes” and “no” could be a matter of weeks. When you understand the...

Product updates and more to support your sales

by editor | Aug 6, 2025 | Long-Term Care, Nationwide, Underwriting Tips

New! CareMatters® Product and Field Underwriting Guide now available Nationwide’s new comprehensive guide puts key new business and underwriting details into a single, holistic document for our suite of CareMatters LTC solutions (CareMatters II, CareMatters Together...

Underwriting Deep Dive: Stents, Bypass, and the “Heart Failure” Trap

by c f | Jul 9, 2025 | Underwriting Tips

Underwriting Tip:While some carriers don’t allow coverage for heart surgery, heart attacks, stents, or CHF, OmniFlex does offer options-even for cardiac conditions.The only hard stop: insulin-dependent diabetes with heart failure. Stents, Bypass, and the “Heart...