Welcome back to Ask the Doctor, brought to you by Fortify Insurance Group.
Today, we’re exploring a case that looks like an automatic decline on the surface. However, once evaluated longitudinally, it reveals an insurable and exceptionally well-managed risk profile.
This case involved a 70-year-old woman seeking term life insurance. When our medical consulting team first reviewed her file, it was immediately clear that this was far from a straightforward underwriting scenario.
Her medical file flagged several high-risk cardiovascular markers:
- Coronary Artery Disease (CAD) with the placement of two cardiac stents at age 50
- A history of ascending aortic dilation
- Hypertension (high blood pressure)
- Hyperlipidemia (high cholesterol and blood fat levels)
While traditional automated underwriting systems might instantly red-flag these impairments, a specialized clinical review tells a deeper story.
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