Bankruptcies can affect your life insurance application depending on several factors, such as how recent the bankruptcy, what type of bankruptcy and the date of its discharge. Each bankruptcy is taken on a case by case basis by the insurance company. We can help to determine if there will a … Continue reading Will a bankruptcy affect my application?

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The insurance company does not run a credit check as a part of the underwriting process. You may be asked to provide additional financial information during the underwriting process but no official check of your credit will be performed.

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The APS is a report the insurance company requests from an applicant’s personal physician when additional information is needed to support medical information disclosed in the application or in the medical examiner’s report. If there is no significant medical history, at the discretion of the underwriter, an APS might not … Continue reading What is the APS (Attending Physician Statement)?

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The exam typically includes blood and urine samples, blood pressure readings, height and weight measurements and questionnaire (additional tests, such as EKG, might be required due to age or death benefit applied for). As it is recommended that you fast for eight hours prior to the exam, we usually suggest … Continue reading What do i need a medical exam?

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Underwriting can be defined as the process of examining, accepting or rejecting insurance risks, and classifying those selected, in order to charge the proper premium for each. An underwriter will review your application, medical exam results and additional information as needed and will assign you a health class, which your … Continue reading Who is my case manager?

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You only need to submit a payment with your application if you want to acquire temporary insurance (see question above).

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No. We are paid a commission by the insurance company if we assist you with getting your policy in force.

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No. We are paid a commission by the insurance company if we assist you with getting your policy in force.

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The application processing time varies case to case, but the average time is 4 – 6 weeks from the time we receive the application in our office. The factors that slow down the process are applicant failure to completely answer questions or send in additional information and; physicians’ slow response … Continue reading Who is my case manager?

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The application processing time varies case to case, but the average time is 4 – 6 weeks from the time we receive the application in our office. The factors that slow down the process are applicant failure to completely answer questions or send in additional information and; physicians’ slow response … Continue reading Who is my agent?

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