Unplaced life insurance cases: The Walking Dead
October 2, 2019 by Steve Savant
Start Sandbagging for the Impaired Risk Season
Most underwriters are more akin to undertakers in a hearse, driving your impaired risk case right into the same old actuarial rut of declinations, postpones and high table ratings. And, they do this as if death claims were off the charts, or life insurance sales were through the roof. The same old actuarial rut, which is just a grave with the ends knocked out.
I’m no Egyptologist, but I am an astute observer of the obvious. Scratch marks on the lid of a sarcophagus can only lead to one inescapable conclusion. The shrouded corpse was buried alive!
Modern-day archeologists, like NCIS postmortem examiners, often unearth the entombed remains only to discover that the undertakers of the day ruled the hospital wards of the ancient world. This puts a whole new twist to the phrase, “The news of my death has been greatly exaggerated.”
I’m assuming that the people entombed alive were placed there by a medical mistake and not terminated in some deliberate form of the death penalty. For almost 30 years, I’ve visited a variety of carrier home offices and made the descent down into the basement where thousands ofNTO client files are stored, boxes stacked upon boxes like a mortality mausoleum. NTO? Not taken offers. (Or the street version, DOA, dead on arrival.) Either way, they never had a chance.
Click HERE to read the full story via NAILBA.
