Here's a checklist of suggestions for submitting winning applications:
- Ask every question. Fill in all the blanks. Underwriters will assume that any unanswered questions are important, and pursue them.
- Get complete, accurate information. If your applicant is applying for disability insurance, take even greater care in detailing the applicant's:
- Occupation & Duties
- Earned Income
- Financial Situation
- Medical History
- Existing Life & Disability Benefits
- Last Tax Return
- Take a non-medical application, even if a paramedic or medical exam is required. Prepare your client for additional tests or studies, as appropriate.
- Contact your general agent, trainer or supervisor, or advanced sales specialist if you have questions about a case. If you need additional help, contact the FASTeam (877-665-2468).
- Inform your applicant when inspection reports or financial documentation are required.
- Use the "Remarks" section for key information about the case not covered on the application.
Make note of any names on the application you can "feed" back to the applicant to get on-profile referrals and introductions.
- Cover letters/memos should be used to provide additional data or clarifying information about the case. For example, if medical conditions require explanation, or if you know something about prospects, which might affect the underwriting decision, say so in writing.
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