In today’s episode—“The Art of Advanced Underwriting”—we’re diving into the critical skills that give advisors more influence over their client’s underwriting outcomes.

Let’s be honest—it's frustrating when you have a deserving client, but the initial medical evidence suggests health issues that could lead to a significant rating or an outright decline.

The question we’re going to explore today is: Rather than accepting a frustrating underwriting outcome, how can you actively manage the narrative of your client’s health and truly advocate for them?

To help us answer that, we’re joined by Romeo Vitagliano—the VP of Advanced Underwriting at PPI, a top MGA in Canada. Romeo began his career as an advisor 44 years ago, transitioned to a roll as an underwriter and later served as the Chief Underwriter at Met Life, giving him a unique perspective from both sides of the insurance application.

Today, Romeo brings that same passion and expertise to the field. He works in an Advanced Underwriting capacity, helping advisors evaluate and position insurance applications in the most favourable way. And that’s where today’s conversation begins.

In this episode, we’ll explore:

• Why an advisor’s field underwriting is the most powerful tool for securing a competitive offer before a rating or decline is even considered, and
• The strategies for uncovering 'context'—the crucial details that help humanize a medical case for the carrier’s underwriter.