Proper financial justification is a key component to success in getting an application approved. In order for the carrier to accept the risk, they will need to feel comfortable that the amount of insurance being applied for reflects well on the client’s income and net worth. This would apply to both personal or business coverage. While the purpose of an application might be clear such as family protection, buy/sell agreements, key person or insuring children – the death benefit must be in line with his or her financial situation or that of their business. Having said that, we can help properly position some of those complex cases with the carrier where everything is headed in the right direction except the financial underwriting aspect. Insurable interest in regards to ownership, insurability and beneficiary designations is another important issue we can assist you with.