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Published byLambert Murphy Modified over 6 years ago
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Sell Your Case Once The Art of Field Underwriting
Dorothy Penney, HCB Underwriting Associate
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Sell Your Case Once Because Once is TOUGH ENOUGH
Buying life insurance is a difficult process Lengthy application process Lots of personal information Invasive questions Surprises are NOT a good thing!
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Stop the Surprises! Thorough field underwriting is vital to the process The more information you have, the better outcome you will get Work with your regional underwriter Use the resources on highlandbrokerage.com
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When in doubt – standard is the best way out
Some common impairments that are usually standard: Asthma ADHD Weight loss surgery in the last 5 years ANY remote history of cancer Depression with more than one med Diabetes Gestational diabetes Sleep apnea
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Common Impairments Usually Rated
Bipolar disorder Post partum depression (depending how long ago) Crohn’s or Ulcerative Colitis Rheumatoid Arthritis Atrial Fib Stents Chronic pain treated with opioid medications
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Your Case Design Team They can consult with us to determine best rate class to run Saves time and money by running one set of realistic numbers Provides you with a clearer outline of the case Helps you to manage client expectations
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Resources on highlandbrokerage.com
Good field underwriting is vital Health e-Analyzer Preliminary Underwriting Questionnaire Field Underwriting Fact Finder Worst case scenario, just get a list of medications
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