Disability Income Section 2

Here's a checklist of suggestions for submitting winning disability income applications:

Ask every question. Fill in all the blanks. Underwriters will assume that any unanswered question is important and pursue it.

Be sure to get especially complete, accurate information about the applicant's occupation, duties, earned income, financial situation, medical history, and existing disability benefits.
Note: Claims have been filed on the insured's inability to perform duties that were never listed on the application. Be sure to ask for a description of all of the applicant's duties.

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 DI Specialist if you have questions about a case. If you need additional help, contact the Underwriting Department.

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