--- title: "Underwriting Wins: Detailed Cardiac Workup Trumps Elevated NT-ProBNP" description: "Turning elevated NT-ProBNP into a win: How a detailed cardiac workup secured $1.4MM in target premium for a high-net-worth client." image: https://blog.gen3advisor.com/hubfs/AIN%20Blog%20Post%20Images/Patient%20Receiving%20Cardiac%20Results.png --- [![Gen3 Logo](https://blog.gen3advisor.com/hs-fs/hubfs/Gen3%20Logo%20(No%20Advisor%20Group)%20(1).png?width=200&height=59&name=Gen3%20Logo%20(No%20Advisor%20Group)%20(1).png "Gen3 Logo")](http://gen3advisor.com) Open main menu Close main menu - [Blog Home](https://blog.gen3advisor.com) - Carrier Updates - Products Open the submenu - [Life Insurance](https://blog.gen3advisor.com/tag/life-insurance) - [Annuity](https://blog.gen3advisor.com/tag/annuity) - Business Building Open the submenu - Sales Strategies - [Best Practices](https://blog.gen3advisor.com/tag/best-practices) - [Business Development](https://blog.gen3advisor.com/tag/business-development) - [Gen3 Main Site](https://gen3advisor.com) [Life Insurance](https://blog.gen3advisor.com/tag/life-insurance) [Underwriting](https://blog.gen3advisor.com/tag/underwriting) # Underwriting Wins: Detailed Cardiac Workup Trumps Elevated NT-ProBNP ![Ted Fravel](https://app.hubspot.com/settings/avatar/ed783ead185453651a6ab77c245152ce) [Ted Fravel](https://blog.gen3advisor.com/author/ted-fravel) [twitter icon](https://twitter.com/intent/tweet?text=I+found+this+interesting+blog+post&url=https://blog.gen3advisor.com/underwriting-wins-detailed-cardiac-workup-trumps-elevated-nt-probnp) [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.gen3advisor.com/underwriting-wins-detailed-cardiac-workup-trumps-elevated-nt-probnp) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.gen3advisor.com/underwriting-wins-detailed-cardiac-workup-trumps-elevated-nt-probnp) ![Man receiving cardiac sonogram results from doctor](https://blog.gen3advisor.com/hubfs/AIN%20Blog%20Post%20Images/Patient%20Receiving%20Cardiac%20Results.png) An elevated NT-ProBNP discovered as part of the paramed exam can often lead to a life insurance case failing to move forward. In the following scenario, our underwriting team was able to turn the case into a win by improving offers from multiple carriers from Table 4 to Standard. This resulted in over $1.4MM placed target premium. Read on for the details! ## Case at a Glance Underwriting Challenge:   Elevated NT Pro BNP Product Type:   IUL, GUL, Term Face Amount:   $52,000,000 Target Premium:  $1,456,058 ### Situation - A 64-year-old ultra-high-net worth male was seeking new insurance totaling $52MM from a number of different life insurance carriers. - The completed insurance labs showed a NT-ProBNP of 445. - Given the client’s age & gender, the NT-ProBNP called for a Table 4 (D) rating, which was the initial offer from virtually every carrier involved in the case. ### Solution - Upon receiving rated offers from multiple life insurance carriers, the team scoured the medical records for additional testing that could offset the results of the insurance exam. - Fortunately, prior to compiling the medical records and one month prior to the insurance exam, the Client completed an executive physical that included a normal stress echo, a much more definitive indication of the client’s cardiac condition. - Upon receiving the stress echo, the team contacted each carrier, asking them to reconsider their initial offer based on the new, favorable evidence. - Multiple carriers were able to improve their offer to Standard Non-smoker based on the normal stress echo test within 30 days of the NT-ProBNP findings. - With all offers moved to Standard Non-smoker, over $1.4MM of target premium was placed across eight carriers. If you're having trouble finding a home for a life insurance case, let the Gen3 team take a look at the details. We've found a ton of success placing coverage on even the hardest to underwrite clients by simply working through the details. Our team of 4 underwriters has decades of experience inside the underwriting teams at major carriers, and consistently think outside the box. If you're looking for a new IMO/BGA that still picks up the phone, email [marketing@gen3advisor.com](mailto:marketing@gen3advisor.com) to learn how we can work together. ## Related Articles [![Year End Carrier New Business Deadlines](https://blog.gen3advisor.com/hubfs/Year%20End%20Carrier%20Deadlines%20Featured%20Image-1.png)](https://blog.gen3advisor.com/2024-year-end-carrier-deadlines-important-dates-for-submitting-business) [Carrier Updates](https://blog.gen3advisor.com/tag/carrier-updates) [Best Practices](https://blog.gen3advisor.com/tag/best-practices) [New Business Tips](https://blog.gen3advisor.com/tag/new-business-tips) ### [2024 Year-End Carrier Deadlines: Important Dates for Submitting Business](https://blog.gen3advisor.com/2024-year-end-carrier-deadlines-important-dates-for-submitting-business) As we approach the end of the year, it’s essential to stay on top of submission deadlines if you or your clients want ensure policies are placed before year end. Most... [Jordann Chrystal](https://blog.gen3advisor.com/author/jordann-chrystal) [Read More](https://blog.gen3advisor.com/2024-year-end-carrier-deadlines-important-dates-for-submitting-business) [![](https://blog.gen3advisor.com/hubfs/Independent%20Insurance%20Agent%20vs%20MLM%20Insurance%20Agent%20Graphic.png)](https://blog.gen3advisor.com/independent-insurance-agent-vs.-mlm-insurance-agent-whats-the-difference) [Business Development](https://blog.gen3advisor.com/tag/business-development) [Best Practices](https://blog.gen3advisor.com/tag/best-practices) ### [Independent Insurance Agent vs. MLM Insurance Agent: What’s the Difference?](https://blog.gen3advisor.com/independent-insurance-agent-vs.-mlm-insurance-agent-whats-the-difference) In the insurance industry, not all "independent" agents are the same. While many take pride in being truly independent agents, others operate within a multi-level... ![Ted Fravel](https://app.hubspot.com/settings/avatar/ed783ead185453651a6ab77c245152ce) [Ted Fravel](https://blog.gen3advisor.com/author/ted-fravel) [Read More](https://blog.gen3advisor.com/independent-insurance-agent-vs.-mlm-insurance-agent-whats-the-difference) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ted Fravel", "url" : "https://blog.gen3advisor.com/author/ted-fravel" }, "dateModified" : "2025-01-13T03:03:00.087Z", "datePublished" : "2025-01-13T02:23:10.000Z", "headline" : "Underwriting Wins: Detailed Cardiac Workup Trumps Elevated NT-ProBNP", "image" : [ "https://blog.gen3advisor.com/hubfs/AIN%20Blog%20Post%20Images/Patient%20Receiving%20Cardiac%20Results.png" ], "mainEntityOfPage" : { "@id" : "https://blog.gen3advisor.com/underwriting-wins-detailed-cardiac-workup-trumps-elevated-nt-probnp", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.gen3advisor.com/hubfs/Gen3%20Logo%20(No%20Advisor%20Group)%20(1).png" }, "name" : "Gen3 Advisor Group" } } ```