In this episode, host Neil Himmelstein is joined by Heather Sprague, an underwriting consultant with over 25 years of experience. Heather shares her expertise on life insurance underwriting, detailing the importance of field underwriting, navigating complex cases, and advocating for clients. They discuss how relationships and expertise can transform declines into approvals and explore the evolving landscape of underwriting, including credits, risk factors, and the role of genetic testing.