by Michael Isom | Dec 5, 2019 | Underwriting
Do’s Get a good night’s sleep Ensures the best resting pulse Stay hydrated Drink a glass of water 1 hour before the exam Makes for an easier blood draw Document medications Prescription and over-the-counter medications including vitamins, herbs and supplements...
by Michael Isom | Dec 5, 2019 | Underwriting
If the insurance company requests a medical exam you will receive a phone call directly from the examination company to schedule an appointment. The fees for this exam are covered by the life insurance company and generally the examiner will come to your home or your...
by Michael Isom | Dec 5, 2019 | Underwriting
What is Underwriting? Underwriting is a life insurers term for the time the insurance company is appraising the risk involved in offering you insurance. They take into account your health, lifestyle, and medical history to ensure that the cost of the insurance is...
by Michael Isom | Dec 5, 2019 | Underwriting
Typicaly the “underwriting” process takes about 30 days from when your application was submitted. Sometimes the process happens much more quickly. However, depending on if an exam is needed, if doctor records are needed, or if additional forms are needed, and...
by Michael Isom | Dec 5, 2019 | Making Changes
Term policy: Term policies have a fixed premium, you can not pay more or less than that premium. If you are in a situation where you will be late or behind on a premium payment, call our office so that we can figure out options for you. For example, if you also have...
