Jane Dwyer and Cindy Davis are back on the pod! This time to talk to us about the trends and innovations in underwriting we’re seeing this year. We discuss:

• Adoption of electronic medical records and new sources for the carriers to check medical records.

• Health and nutrition trends that we can all use to improve our health and underwriting offers.

• “Red Flag Medicines” that your cover letters need to address so that they don’t result in automatic declines.