Insurance mystery, how can you be given two different underwriting decisions on the same risk?

We just provided a client with an offer for Critical Illness Insurance from two leading insurers.  The client is a 62 year old female, the coverage is $ 250, 000.  Offer from insurer A: Complete coverage with an exclusion for blindness and a rated premium of $ 897.73 monthly.  Offer from insurer B: Standard policy, without exclusion and rated premium of $ 864.68 monthly .

Underwriters at the insurance company are their top qualified. Critical Illness is re insured and the actual policy is offered through Manulife and Sun Life.

WE ARE GOING BACK TO THE INSURER TO NEGOTIATE A BETTER INSURANCE OFFER AND WE MAY JUST BE ABLE TO SUCCEED WITH NO COST TO OUR CLIENT.

I ask you, why would a person obtain an offer from an insurance company who uses the same re-insurer as all the other insurance companies. We as independent consultants have specific criteria when choosing an insurer for our clients, one of these criteria is the insurance carrier must have the expertise to underwrite your policy with the greatest probability of issuing a standard policy, and not due to the fact that the agent places most of his cases with one specific carrier.

BE INFORMED AND HAVE YOUR ADVISER FIGHT FOR YOU .

For a list of our criteria for selecting specific products as well as the insurer that will issue your contract, Email Milan at milan@thetkgroup.com and type "CRITERIA LIST" in the subject line.