You have probably found that clients with significant health problems such as heart disease, cancer, diabetes or hepatitis are difficult or impossible to insure. Similarly, previous lifestyle issues such as drug or alcohol use have created underwriting problems for you and your clients. Recently, some insurance companies have been more competitive in offering insurance to the ?impaired risks?, by evaluating each case on an individual basis, looking at the outcomes of the most current treatments and improved mortality. These cases may be more complex to process, but successful offers are possible, and you can fulfill your clients? needs.

Remember, clients who are either very highly rated or uninsurable have an opportunity to obtain some permanent insurance with a ?Guaranteed Issue? Policy. Death Benefits under these policies are limited in the event of death, except accidental, during the first two or three years. Underwriting, though, is simplified with no medical questions, examinations, or tests. Dunhill offers these policies.

Dunhill is pleased to have an on-staff Medical Director; Nathan Harrison, M.D. Dr. Harrison will work with you to place cases with difficult medical issues or complex underwriting. He can help you access the best program and the best company for your case, based on the medical issues. He can help you to get the best underwriting offer. He can help coordinate the best documentation for successful underwriting. Dr. Harrison is happy to discuss cases with you, answer your questions and help you to help your client.

About Nathan Harrison, M.D.

Dr. Harrison graduated from the University Of Illinois College Of Medicine. He is a Board Certified physician in Obstetrics and Gynecology. He served in the Army as a Flight Surgeon from 1970 to 1972. Dr. Harrison's professional experience includes Medical Director for Sharp Health Care and Sharp Community Medical Group; Physician Consultant for Prudential, Cigna, and Aetna/US Health Insurance Companies, as well as for Milliman and Robertson Consultants. He has also served as a Member of the Board of Directors for Sharp Health Care in San Diego. He has extensive experience in the underwriting and the impaired risk markets.