Health underwriting issues is a critical part of the insurance process, and one that we excel at. Factors could include age, smoker or non smoker, height weight, blood pressure, family history, medications taken, recent hospitalizations or surgery, illnesses etc.  Client’s may have simple or complex medical issues that could be charged more premium money or even denied coverage.  Being an independent agent allows us 33 years experience in shopping the market to get the best coverage possible for you.