BimaShastra67 dispatches
Opinion
For Insurance Professionals · Published Daily
FeaturedUnderwriting
Selling rated-up policies without losing the client
When your client balks at a higher premium due to health issues, your framing decides whether the policy gets issued or the lead walks.
20 Oct 2026Read this piece →
From the archive28 more
UnderwritingDecoding the Underwriting Hold-Up19 Oct 2026→
UnderwritingTobacco Declarations: The Underwriting Minefield17 Oct 2026→
UnderwritingOccupation can kill your client's proposal15 Oct 2026→
UnderwritingStop Surprising Clients With BMI Rejections13 Oct 2026→
UnderwritingHLV Math Trumps Client Wishes in Underwriting12 Oct 2026→
UnderwritingHiding the past costs your client dearly10 Oct 2026→
UnderwritingPre-Application Disclosure: Avoiding Medical Rejections8 Oct 2026→
UnderwritingPostponed vs rejected: your next client move24 Sept 2026→
UnderwritingNavigating mental health disclosures in life underwriting21 Sept 2026→
UnderwritingAdvisors: Handle Extreme Hobbies in Underwriting21 Sept 2026→
UnderwritingClosing the Smokers Loophole: Why Advisory Honesty Trumps Cheaper Term Premiums17 Sept 2026→
UnderwritingReferred Proposals: Your Next Client‑Handling Playbook17 Sept 2026→
UnderwritingSelling Rated‑Up Policies Without Losing the Client17 Sept 2026→
UnderwritingFamily History: The Hidden Premium Hike17 Sept 2026→
UnderwritingHazardous Jobs, Hazardous Payouts: A Guide for Advisors11 Sept 2026→
UnderwritingBMI and Life Insurance Underwriting: What Advisors Must Know9 Sept 2026→
UnderwritingSum Assured Caps: What Advisors Need to Know7 Sept 2026→
UnderwritingDisclosure Key to Claim Approval4 Sept 2026→
UnderwritingAvoiding Medical Rejections: What Advisors Need to Know1 Sept 2026→
UnderwritingWhy Medical Declines Happen and How to Prevent Them31 Aug 2026→
UnderwritingDisclosure Key to Claim Approval31 Aug 2026→
UnderwritingOccupation Risks in Life Insurance16 Aug 2026→
UnderwritingBMI Impact on Life Insurance14 Aug 2026→
UnderwritingDemystifying Financial Underwriting: How Advisors Can Navigate HLV and Income Multiples13 Aug 2026→
UnderwritingWhy Non-Disclosure Is the Biggest Risk to Your Clients Claim Payouts12 Aug 2026→
UnderwritingPre-Empting Medical Rejections: How Advisors Can Prevent Underwriting Surprises11 Aug 2026→
UnderwritingWhy Non-Disclosure Destroys Life Claims and How Advisors Fix It10 Aug 2026→
UnderwritingHow Advisors Can Prevent Surprise Medical Rejections and Heavy Premium Loadings9 Aug 2026→
