Underwriting

Underwriting

Info to gather before quoting:
Height/weight
Non-tobacco or tobacco
Diagnoses being treated
Current medications
Pending treatments
Therapy: physical, occupational, speech
Previous declines
Use of cane, walker, wheelchair

How to prepare for an exam:
Get a good night’s sleep
Stay hydrated
Medications list
Disclose blood draw issues
Do not consume salty foods
Do not do strenuous exercise
Do not drink alcoholic beverages
Avoid nicotine and caffeine

How to prepare for a phone interview:
Medications list
Physicians contact information
Dates of surgeries
Dates of hospitalizations/ER visits
Have test and lab results handy
Be in a quiet place without distraction
Do not drive during interview

Cognitive assessment:
Often required for LTCI
Usually by phone
Sometimes face-to-face
Take even silly questions seriously
Don’t be funny
Don’t allow distraction

Ask the Underwriter

Producer:
Agent Name*
First Last
Email*
Phone
Client Information:
For HIPAA security purposes, create a nickname or reference name for your client. Please do not use their real name.
- Male
- Female
Age or DOB:
Height & Weight:
Types and frequency of tobacco currently used or in the past, including cigarettes, cigars, pipe, vape, chew, etc. If stopped, when? If none, leave blank or say "None."
Use of marijuana in the past 12 months?
- No
- Yes
Type of Coverage:
Benefit Amount:
Current Medications:
Health Conditions (including date diagnosed) & Treatment:
Hospitalizations or Treatment:
Dangerous Employment or Advocations?
Assistance Walking? (cane, walker, wheelchair, etc.)
Job Duties:
Any Additional Underwriting Concerns?
Previous Declines or Ratings?
Notes:

Ask the Underwriter

Producer:

Client Information: