Exceptional Risk

Our staff has a successful history spanning more than 20 years in exceptional risk underwriting. 3 Mark is recognized for its ability to evaluate and place large and difficult cases in a prompt and efficient manner. This in-house capability provides financial services professionals with a competitive edge.

Case Status

Ask the Underwriter

Informal Application

Table Shave Program 08/04/08
NEW! Underwriting Guidelines/Product Specifications Overview – This easy-to-use one page “cheat” sheet includes useful information on medical qualifications (blood pressure, tobacco cholesterol, family history, etc.), carrier niches, issue ages, premium min/max, and much more.
Underwriting Requirements
Pru Impaired Risk Guide
Met Impaired Risk Guide
Met Life Underwriting Guide
Tobacco Ideas

Case Studies

Extensive Selection of Carriers
Solid relationships with carriers resulting in successful negotiation and placement of difficult and large cases
Nationally recognized Impaired Risk Underwriters/Managers on staff
Products specifically designed for rated cases
Knowledgeable team of professionals to manage your cases
Products available include Whole Life, Universal Life, and Term
Simplified Issue Programs
Term issued to age 80 and permanent up to age 90

David Royse, VP Underwriting
Direct Line: 281.269.2341
Toll Free: 888.533.6275 ext. 341
davidr@3mark.com
Eddie Montes, Underwriter
Direct Line: 281.269.2360
Toll Free: 888.533.6275 ext. 360
eddie.montes@3mark.com
Carolyn Rawlins, Underwriter
Direct Line: 281.269.2326
Toll Free: 888.533.6275 ext. 326
carolyn.rawlins@3mark.com
Dolly Sanchez, Supervising Case Manager
Direct Line: 281.269.2342
Toll Free: 888.533.6275 ext. 342
DollyS@3mark.com
Sandra Anguiano, Large Case Manager
Direct Line: 281.269.2345
Toll Free: 888.533.6275 ext. 345
Sandra@3mark.com