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Life Insurance: Five Step Process

People making circle with hands on wooden table with paper house and family inside, life insurance


  1. Fact Finding

In this step, advisors use proprietary policy design questionnaire to educate clients about their life insurance options while gathering information about the client’s goals, preferences, and risk tolerance. Additionally, a one-page underwriting questionnaire

helps paint a high-level picture of how the client’s medical history may factor into the overall plan design.

  1. Underwriting AdvocacyTM

Prior to submitting an application, an experienced underwriting team gathers and reviews the client’s medical information and begins clarifying all missing or incomplete details with the client’s physicians to present the case to the carrier(s) in the most favorable light possible. For larger, more complex cases where privacy and confidentiality are paramount, staff underwriters and licensed physician conduct a private medical evaluation to fully assess the client’s medical risk while protecting their identity from the Medical Information Bureau.

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