At Huntley Wealth Insurance, when we get a “tough” life insurance case, we are prepared to do whatever it takes to deliver an affordable approval to our client.That’s why we commonly use the Trial Offer.Simply put, a trial offer request is when we send a summary of our client’s medical history to 15-30 life insurance companies.  The underwriters review the info and write us back with the  health classification at which they are most likely to approve the case.

This is how we determine which insurance company is the best to use for a particular case.  Whoever comes back with the best offer generally gets our business.For cases where we used trial offers successfully, please see our Testimonials Page.The Steps to Effectively Use a Trial Offer: Run the quotes from the various companiesDeliver the quotes to our clientsUsually apply to the company quoting the lowest premiumAttach the trial offer to the application – This way the underwriter assigned to the case can see his/her company has already reviewed the case, and will know how they are expected to approve the case.Compare Quotes Now! Most of the responses from the underwriters will include language like “very tentatively standard assuming x, y, and z” or “we can go preferred as long as the applicant’s compliance is well documented in his medical records.” Keep in mind, at this point, the carrier still has not seen your medical records or lab results.

One of our agents has summarized your case to them, and they will try to stick to the original offer if they can, but you must understand it is very tentative.  So if they find the health of the applicant to be materially different from the original summary provided to them, of course they can rate the case differently than originally quoted.Pre-existing health conditions? AIG Direct specializes in insuring people just like you.From high blood pressure to diabetes, AIG Direct has seen it all and since they have access to multiple companies, they can find you the absolute lowest rates! Click below to see if you qualify.

FREE AIG DIRECT QUOTE Quotes are quick, easy, and free! I recently send out the following request for a client with a history of atrial fibrillation that looked like this: Hello, I have a male, age 62, non tobacco, 5-10, 185 lbs.A few health issues: Tinnitis – Ringing in ears dx Jan 2011, did MRI/Cat scan, ruled out brain issues, it is definitely an inner ear condition caused by many years working for a railroad company.  Takes Alprazolam (similar to Xanax)  as needed when he gets it, which is around 2x per week.Diabetes – Diagnosed in last couple years.  Well controlled with a1c of 6.0 to 6.4, takes Tradjenta.  Exercises daily on treadmill.  5’10, 185 lbs.

A Fib History – In Nov 2008, had single episode of A Fib.  Stayed overnight in hospital.  It was corrected with medications (took blood thinner for a short time).  A fib was reasoned to be caused by heavy stress at work and high blood pressure.  Since then, he has retired, and started taking Benicar for BP at the time (which he still takes preventatively).  In his first follow up appointment, heart rate was great and has been since.  Gets regular checkups with cardiologist, including normal stress tests.RELATED: 5 Critical Tips You Must Know Before Buying Life Insurance Credits – Lifetime non-smoker, household income 200K+, happily married with 3 children who all live nearby.I don’t see any reason for a decline here, but in full disclosure, should mention he was recently declined by Met for these same issues.

He needs an approval at Table 4 or better to be able to replace his current policy for less money.  Is this possible? Seeking 10 yr term, 100K.Skip the Needles! Want to take the “pain” out of life insurance? We don’t blame you! Bestow is one of our top recommended no-exam companies offering 10 and 20 year plans up to age 55.See if you qualify for “no exam” today.

FREE NO EXAM QUOTE Quotes are quick, easy, and free! Result This was a great example to send out for trial offer request as we got offers back all across the board, from mild substandard to decline.  It saved the client a bunch of time, since he didn’t have to apply to these companies one by one, and we immediately knew which company would approve our case and save him money.Do All Agencies Use “Trial Offers”?  Only the Good Ones The concept of the trial offer is not a big unknown amongst independent life insurance agencies.  I know a few other agents who use this tool, such as my friend Jeff Root at www.rootfin.com.The problem is very few do.  The reason?  Sales quotas.

If you go to a big online agency such as Select Quote or Accuquote for life insurance quotes, you’ll speak with an agent who is under the gun to sell 5 policies per day.  How hard will that   agent work for you when they have a hundred other calls sitting in queue that they could sell.RELATED: Check Sample Life Insurance Rates by Age (No Personal Info Required) I wrote about this problem in my recent Select Quote Reviews article, and made similar points in my Accuquote complaints article.  The agents simply don’t have the time to dedicate to getting you the best price.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day.

Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice.Please consult your own legal or tax adviser.