Heart of the Matter

For most insurance companies this would probably have been an automatic refusal. Not for The Hartfod’s PWM group. Hausherr said that the group did need to know more about the procedure before agreeing to underwrite the client’s life insurance coverage.

Instead of asking the client for more information, or engaging in a lot of back-and-forth correspondence between the patient and her doctors, the PWM underwriters contacted her surgeon directly to find out exactly what was involved. After the surgeon had told them what they needed to know, The Hartford offered her a life insurance policy “at standard rates” in a situation where “other carriers might have declined to cover her.”