Encourage your life insurance applicants to take advantage of exam and lab-free applications before ordering age and amount requirements. By recommending this strategy, you de-risk underwriting and avoid unnecessary ratings and declines.
If you already have answers to a medical history questionnaire (MHQ), please share that with us. Otherwise obtain answers to a few questions. We’ll sort through the options to match your applicant with the insurer that will provide the most favorable underwriting offer. Also, subscribe to Insights to stay up to date with the latest underwriting strategies, product developments, and resources you can use to grow your insurance business.
Preparing for a Life Insurance Paramedical Exam & Labs It’s often best to de-risk life insurance underwriting by taking advantage of exam and lab-free intelligent underwriting programs. Some applicants may even qualify for up to $135M of exam and lab-free life insurance through one or more executive underwriting programs. If an insurance paramedical exam, labs, […]
De-Risk Life Insurance Underwriting
Reduce or Eliminate Estate Taxes The estate and gift-tax exemption is about to get cut in half, exposing exponentially more wealthy Americans to the death tax. Deploy our super simple Federal Estate Tax Estimator to quickly educate your clients about this increasing tax! Be the first Advisor who brings this urgent topic to your clients’ […]
Financial Advisors should consider two advantages they derive from obtaining a signed generic HIPAA with every life insurance application. First, a signed HIPAA is required by law, if you wish to discuss medical underwriting details with third parties. Given that a relatively high percentage of applications result in underwriting challenges, a HIPAA enables you to […]
This content is restricted to site members. If you are an existing user, please log in. New users may register below.Existing Users Log InUsername or EmailPassword Remember Me Forgot password? Click here to resetNew User RegistrationUsername (please do not use spaces or special characters)*Email*Password*Confirm Password*First Name*Last Name*Phone**Required field
Financial Advisors recommend clients protect their lifetime income with life & disability insurance. Great news: 40-year level term life insurance now enables young individuals to insure their entire anticipated lifetime income with an ultra-low cost term policy. Let’s take a look at a recent request. Meet Karen Karen, a healthy 25-year young woman, would like […]
Only ONE highly rated brand name insurer offers a lab test that makes it easy for e-cigarette users (vapers) to qualify for non-tobacco rates, cutting premiums in about half. Let’s look at a recent request: Kayla, F, 26, attorney, vapes daily, needs $3M 20-year level term for income replacement purposes Tobacco premium = $3,024.70 Non-tobacco […]
Life Insurance WITHOUT Exams, Labs, Hassles A highly rated mutual insurer now offers younger healthy individual and business applicants to apply for up to $5M life insurance without exam or labs! Information is collected via an easy, secure, online process, making the application process faster and easier than ever. Policies can be structured to include […]