Total Financial - Case Study

Total Financial Case StudiesFor over 40 years Total Financial has been a significant resource for producers who dominate their marketplace. We are one of the nation’s leading sources in developing and underwriting life insurance for wealthy individuals and corporations. Read some of our case studies below.



  • Case Study #1
    Male age 69 applying for 1 mil of UL with a noted history of having an acute pulmonary embolism 4/2011 and DVT of right lower extremity. This occurred 6 eweks after a hip replacement. Multiple carriers declined and or postponed for 1 year. We were able to obtain an offer of preferred with a temporary flat extra of $5.00 for 1 year. Premium that was sold resulted in a single premium of $250,000.

  • Case Study #2
    #1 Male, CA case, Early 50’s. 1MM – Level pay – UL. He served 5 ½ years time for felony money laundering. He is on probation and has 6 months remaining on his probation. He owns and manages real estate. Net/worth approx. 4.5M. 5 companies either declined to offer or postponed until probation was over but we were able to place this with a company that gave us std –table B with the condition that the insured was out of prison for 2 years.

  • Case Study #3
    60 year old male status post radical prostatectomy in 7/2008 for stage T3a adenocarcinoma. Gleason was 4+3=7 and there was extensive extraprostatic extension on the right. Five lymph nodes biopsied and all negative. PSA has been undetectable since that time.

    13 carriers postponed for 3 years. We were able to obtain two offers with two of our carriers who have their own underwriting manual which were std plus a temporary flat extra of $15/5 and another offer of std plus temporary flat extra of $7.00/9


  • Case Study #4
    Female age 62 diagnosed with hepatitis C, genotype 1. Diagnosed in 2005. Biopsy from 2006 showed mild activity. 2010 biopsy showed mild activity and no disease progression. Liver functions stable and AFP 6.5. We were able to obtain an offer of Table C when multiple carriers declined and place the case.

  • Case Study #5
    John Hancock, the complete package. Selling a policy with the added benefit of long term care rider. Recently, there were two producers having a discussion about Life Insurance and Long-Term Care.
    One of the producers said that he was discouraged with a protection planning case that he was working on.
    The case involved a good client who decided to only purchase a Life Insurance policy (due to cost) when he really needed both
    Life Insurance and Long-Term Care coverage to fully protect his assets.
    The producer was faced with a real challenge: How could he get his client the coverage he needed for a reasonable cost?

    That's when the other producer suggested a possible solution from John Hancock:

    He mentioned the LTC rider by John Hancock for an extra $1-$2 a day..
    Yes, by purchasing a life insurance policy you may be able to add Long-Term Care Protection for an extra $1- $2 a day (in some cases)!

  • DISCLAIMER: The case studies discussed above are for illustrative purposes only. Actual results will vary based on individual cirmcustances.


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DISCLAIMER: This website is for financial professionals and agents only. Not for use with the general public | CA Insurance License #0D04093 Securities Offered Through The Leaders Group | Member FINRA / SIPC CIS is not affiliated with The Leaders Group | 26 West Dry Creek Circle, Ste. 575 Littleton, CO 80120 | 303-797-9080