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UNDERWRITING GUIDE

All Carriers require routing and account number except for Prosperity, John Hancock, Transamerica, Ethos, and AIG.

Mutual of Omaha, Transamerica, NLG, Forester's, and John Hancock. require an ID or ID number

Need in-home help?

1. First, collect the following information below. Then call your mentor. (write down this info for future notes.)

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  • Age

  • Health Conditions & How many years since they've been diagnosed.

  • Medication

  • Tobacco or No-tobacco


 

Tips for clients with health issues:

 

  • Clients with HIV, AIDS, Dementia, Hospice, Organ Transplant, and Cancer (current):

    • If the client is 40-49 yrs old write them with Great Western Guaranteed Issue. Ages 50+ write client with AIG GIWL.

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Practice using the cheat sheet and underwriting guides. 

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  • Look for the condition on the cheat sheet.

  • Once you find an appropriate carrier(s), check their age at the bottom of the cheat sheet or the underwriting guide. 

  • Use the resources available to inform and place your client.

            

IN HOME HELP
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