Pre-Sales Underwriting Assessment
Health conditions, medical history and even family history can be real challenges for underwriting some clients. If your proposed insured truly is in a state of average health, above average health or exceptional health a Pre-Sale Underwriting Assessment is not needed, but many proposed insureds do have challenges in this area. A little extra time and effort in advance of the application can pay big dividends for everyone involved. Here are six (6) simple questions that can limit underwriting surprises for you and your client:
1. Do you have any diagnosed medical conditions?
2. What medications are you taking?
3. Have you ever been declined for rated on
any other life or other insurance application?
4. Have you been hospitalized in the past 10 years?
5. What doctors do you see?
6. Do you smoke or use tobacco and any other form?
With this information we can check with our primary company or if needed with other carriers to find to best company-product solution and establish the best possible premium expectation before you go to the trouble to write up the application or Tele-App. Please e-mail this information to firstname.lastname@example.org
Or call with any questions (877) 739-1172 or (941) 312-2002.