Case reconsideration is the process of asking an insurer to review and potentially improve a prior underwriting decision in light of new information, time elapsed, or changes in carrier guidelines. Reconsideration requests may seek better ratings, removal of flat extras, or approval after a prior decline. Successful reconsideration typically requires meaningful new evidence, such as improved lab results, favorable specialist reports, completion of treatment, or updated diagnostic imaging. Carriers are generally reluctant to reconsider without substantive changes because consistency and predictability are core underwriting principles.

Advisors and BGAs file case reconsideration requests when clientsTM health improves, when previous impairments stabilize, or when they become aware of more favorable guidelines at the same carrier. They compile new medical records, lab reports, or test results and present a concise cover letter summarizing why the original decision should be revisited. Some carriers have formal timelines and programs for reconsideration, while others handle requests on a case-by-case basis. Understanding case reconsideration helps advisors set client expectations about when it is worth requesting a review and what kind of evidence is needed to change an outcome.