Advanced Markets 2026 On Demand: Underwriting in an Age of Escalating Risk What Advanced Planners Must Know for Complex Health and Financial Cases

For ultra-high-net-worth families and successful business owners, the underwriting environment is changing faster than most planning teams realize, as new data sources, AI-driven tools, and expanded large-case capacity collide with mounting political, fiscal, and tax pressures on sophisticated planning structures. This discussion will decode how health and financial underwriting are evolving at the top end of the market, what that means for large face amounts, premium financing, and complex business cases, and how advanced planners can reframe their process, expectations, and client communication so they navigate underwriting faster, with fewer surprises, and with plans that are better positioned for the next wave of regulatory and tax change. 

By the end of this session learners will be able to:

• Participants will be able to analyze evolving medical and financial underwriting factors and evaluate their impact on insurance availability, pricing, and structure. 

• Participants will be able to assess how emerging data sources and technologies influence underwriting decisions and associated risks. 

• Participants will be able to evaluate underwriting considerations in complex cases, including large face amounts, premium financing, and business-related coverage. 

• Participants will be able to apply a proactive framework to align underwriting expectations, client communication, and overall planning strategy.