If you’ve been told you can’t get covered - or you got rated up to a number you can’t justify - this is exactly why we built our independent final expense brokerage. Health conditions that look like a decline at one carrier are often a standard-rate approval at another. The trick is knowing where to send the application.
Prime Mutual, based in Austin, TX, connects you with independent agents who have direct access to carriers like Mutual of Omaha, American Amicable, Americo, and TruStage. Each carrier has its own underwriting guidelines for conditions like Type 2 diabetes, COPD, cancer beyond the look-back window, and heart disease with stent or bypass history. An agent who knows those guidelines can place your application with the carrier most likely to approve you at standard rates - not the one most likely to decline or table-rate you.
If your Medical Information Bureau (MIB) report shows a prior decline, that record follows you. But it does not mean every carrier reads it the same way. A simplified issue policy through the right carrier can still offer full day-one coverage, even with a complex health history. When simplified issue truly is not an option, guaranteed issue provides 100% acceptance for ages 50 to 85, with a graded benefit period of two to three years.
Independent Broker vs Captive Agent for High-Risk Cases
| Feature | Typical Captive Agent | Prime Mutual (Independent) |
|---|---|---|
| Carriers available | 1 company’s products | Multiple A-rated carriers (Mutual of Omaha, Americo, American Amicable, TruStage) |
| Hard-to-place expertise | Limited underwriting knowledge | 11+ years placing policies for diabetes, COPD, cancer history, heart disease |
| After a decline | Often steers to guaranteed issue | Shops simplified issue across carriers first |
| Cost to you | Commission built into premium | Free - no cost, no obligation |
| Policy placement approach | One-size-fits-all | Matches your health profile to the most lenient carrier |
