SUCCESS STORIES Linda S. Goodman, MD, FACP – Medical DirectorThe Medical Director Close Dr. Linda Goodwin has been in clinical medicine and insurance medicine on both the carrier and reinsurer levels (at United of Omaha and Transamerica Re). She is also a geriatric specialist and is board certified in both insurance medicine and internal medicine. She has great credibility with the medical directors and senior underwriters at all of our companies who respect her for her deep background and her excellent communication skills. Those communication skills can play an excellent role in getting good underwriting results. She literally rescued two cases for us that were not going to be written-probably anywhere-until she stepped in with a medical overview and opinion. Success Story #1The first involved an 87 year old woman for $1 million of universal life. The case began life at one of our competitors, who had totally screwed it up with extraordinarily poor shopping. Our producer asked us to clean it up, which we did with two cover letters of explanation. The first cover was from one of our Brokerage Directors, explaining how the case developed and justifying the financial aspects of the underwriting. The other was a copy of a medical review by Dr. Goodwin, who summarized the exam, EKG and two APS's. She opined about a suspected neurological problem and some insufficiency in all-not one, but ALL-of her heart valves. Our competitor had managed a series of declines on this case, but Dr. Goodwin's two page summary and assessment suggested Standard was appropriate. We received tentative Standards from First Colony, ING and Lincoln Benefit. Success Story #2Another, much smaller case but from a key producer, was declined for a slow, slight elevation in PSA and a much-too-low free PSA, and an ST depression on a treadmill that resolved quickly after exercise. This case on a 56 year old male was declined. Dr. Goodwin's write up essentially dismissed both issues quite convincingly, and we received a Standard from Banner. In both cases Dr. Goodwin's medical review and commentary provided compelling, three-dimensional looks at problematic risks, and allowed underwriter buy-in to her assessments. We couldn't have done these without her and she's possibly the best addition to our team we could make. |