Informal Application Review
We take on the responsibility to build a case file and make recommendations about insurability as measured against specified standards and guidelines.
Case Management
We perform a complete review of the application and all supporting documents to ensure that everything is complete and In-Good-Order.
First Look
Reviewing a new business application, providing documentation of the information on the application, and utilizing underwriting judgment to order necessary requirements.
Quick Quote
Reviewing one or two paragraphs of a possible applicant's information submitted by a broker or agent to a direct carrier. The QQ involves providing an underwriting assessment subject to full requirements.
Final Handlings
The review of an application after all necessary requirements have been received to include a decision to issue at a certain rate or decline the coverage.
Death Claim Reviews
Review of information provided during a death claim investigation that was prior to the original application and was unknown at the time of original underwriting.
Reinstatement
Review of information and medical requirements ordered and received on an application for reinstatement of coverage lapsed due to lack of premium payment. Ultimate decision is to allow client to reinstate his/her original coverage or decline the request for reinstatement.
Policy Change
Review of information obtained on a policy change application which typically entails the increase of coverage or addition of a rider to the original coverage. Underwriter judgment would determine if additional information would need to be requested and reviewed in order to make this determination.
EKG Interpretation
The review of a resting or stress EKG by one of our medical directors including detail regarding normal or abnormal, and if abnormal, what the specific abnormalities are.