1. Second Vice-President
Underwriting
Suzy Saxon
Second Vice-President
TMK 1

2. Agents are Field Underwriters
Agent's responsibility to collect accurate and complete information from the applicant
This helps the Agent:
Get policies issued quicker
Get paid quicker
Reduce follow-up work
Reduce declines, cancels, and not-takens
Increase bonus and renewals
Make more money!

3. Product Suitability
You should determine in each case that any policy sold is suitable to the needs of the applicant
You should consider such issues as:
Proposed insured's financial condition
Need for insurance
Values, benefits, and surrender charges in relation to any existing coverage
Whether in the totality of each applicant's circumstances, the sale is suitable

4. Instructions to Agents for all Applications
Read health questions as they appear
Ask applicant for explanations to 'Yes' answers
Complete 'Explanations' section for every 'Yes' answer
If additional explanation required, attach Cover Letter to the application
The more information you can provide regarding 'Yes' answers to health questions, the more successful you will be in effectively submitting the application

5. Instructions to Agents (Continued)
Life Insurance policies go through an underwriting process
Underwriters may request additional information, so let applicant know they may receive call
Underwriters ultimately determine insurability
Process determines amount of rated premium
Agents should not make promises to applicants

6. Underwriting Requirements
Info Agent
Oral Specimen
HIV Consent Form
MVR
Rip Call (QAC)
IBU
Inspection-SBSI
Criminal Records Check
APS Thru AI Records
Paramed
Blood Profile
Urine Specimen
Electrocardiogram
Treadmill EKG
Fingerstick Test
HO Handling 

7. Agents Instruction Guide

8. Agents Instruction Guide

9. Underwriting Requirements
Underwriting requirements may be requested on any proposed insured on the app. If the app contains a spouse rider, the requirement will indicate whether the requirement is on the insured or the spouse.

10. Info Agent
Can be any message from Underwriting, such as a request for the proposed insured’s doctor’s name, address, and telephone number or a message indicating that the case requirements are under another file number when more than one case is submitted on the same proposed insured at the same time.

11. Oral Specimen
Indicates that Underwriting is pending for the oral specimen lab results that the Agent took at app time, provided the barcode number on the app, and mailed immediately to the lab
Note: if the app does not provide the barcode number, the following message will be sent to the Branch with the oral specimen requirement:

12. Oral Specimen
Please advise barcode number of oral and date it was completed. We will pend 7 days.
If the barcode number or the oral specimen results are not received within 7 days, Underwriting will order an exam with blood profile and urine specimen. Underwriting will still accept the oral instead of the exam if the oral specimen is obtained and the barcode number provided to Underwriting before the exam is completed.

13. Underwriting Requirements

14. HIV Consent Form
The form that must be completed and signed in states that require this form.
If this requirement is received along with the oral specimen requirement, it is for the Agent to obtain.
If this requirement is received along with exam requirements, it is for the examiner to obtain.

15. HIV Consent Form

16. MVR Motor vehicle report
Underwriting requests this from an outside vendor.

17. Rip Call (QAC)
Indicates that Underwriting has requested a telephone interview to be completed through our QAC department.
If the interview has not been completed within 7 days, the following message will be sent out to the Branch:
Attempts to contact applicant at given number have been unsuccessful. Please have applicant call to complete the phone inspection.

18. IBU (Interview by Underwriter)
Indicates that Underwriting has requested a telephone interview to be completed through an outside vendor.
Not all cases are sent to the same IBU Underwriter for handling, so initially the requirement will only indicate “IBU.”

19. IBU (Interview by Underwriter)
If the interview has not been completed within 7 days, the following message will be sent out to the Branch:
Please have the PI call 1-XXX-XXX-XXXX to complete the IBU. We will pend 7 days.
The toll-free number will be specific to each case according to which IBU underwriter is to be contacted.

20. Inspection – SBSI
Indicates that Underwriting has requested a telephone inspection interview through an outside vendor.
If the interview has not been completed within 7 days, the following message will be sent to the Branch:
Attempts to contact applicant at given number have been unsuccessful. Please have applicant call ext. 1 to complete the phone inspection with SBSI.

21. Criminal Records Check
Indicates that Underwriting has ordered a criminal records check through an outside vendor.

22. APS Through AI Records
Indicates that Underwriting has requested an attending physician’s statement on the proposed insured through AI Records. It will also indicate the name of the doctor or facility from which the records were requested.

23. APS Through AI Records
AI Records contact information:
Website:
Username: liberty
Password: national1
Phone #:
address:

24. Underwriting
Paramed Blood Profile Urine Specimen Electrocardiogram Treadmill EKG Fingerstick Test HIV Consent Form

25. Paramed
Indicates that Underwriting has requested an exam in combination with the other requirements such as blood profile, urine specimen, electrocardiogram, etc. through one of three outside exam companies

26. Paramed
Portamedic’s contact information:
Phone #:
Website:
EMSI’s contact information:
Phone #:
Website:
ExamOne’s contact information:
Phone #: exam1 or
Website:

27. Paramed
Note: If the exam company has been unsuccessful in scheduling the exam within 14 days, the Branch will receive the following message:
Please assist in getting the exam scheduled and completed. We will pend 7 days.
(We will pend longer only if the exam has been completed or at least scheduled)

28. SAM s
Daily

29. Field Underwriting
Applicants with the following conditions will be automatically declined.
Terminal Illness
Lou Gehrig’s Disease or Amyotrophic Lateral Sclerosis (ALS)
HIV / AIDS or Positive Test to Antibodies for AIDS virus
Alzheimer’s Disease or Senile Dementia
Confined to a hospital or nursing facility
Use of illegal drugs within a two-year period
Confined to jail

30. Field Underwriting
Do not submit an application for standard issue for the following conditions.
An ALX will be considered if the underwriters determine the proposed insured is eligible for coverage.

31. Field Underwriting Heart / Circulatory / Blood Disorders:
Congestive Heart Failure within 1 year
Defibrillator Implant
Angioplasty, Coronary Bypass, Heart Attack or Diagnosis of Angina within last 6 months
Coronary Artery Disease and Heart Valve Replacement
More than 2 Heart Attacks
Heart Attack, Bypass or Stroke and still smokes
More than 1 stroke
Sickle Cell Anemia

32. Field Underwriting Diabetes and Related Disorders:
Diabetes and Kidney Disease (App may be submitted if the proposed insured has diabetes without a related condition)
Insulin-dependent Diabetes and No Doctor consulted within last two years

33. Field Underwriting Cancers:
Cancer, other than skin, last treatment within 12 months
Metastatic Cancer (spread to other sites) within 10 years
Hodgkin’s Disease, last treatment within 2 years
Leukemia Diagnosed prior to age 50

34. Field Underwriting Misc. Medical Disorders: Cirrhosis Cystic Fibrosis
Depression - hospitalized within 6 months - or unable to work
Suicide Attempt within 5 years
Emphysema or Chronic Lung Disease using Home Oxygen
Kidney Dialysis
Transplant Recipient of any major organ (except Kidney Transplant)

35. Policy Issue Issued as Applied For
Issued COD – Additional Signature Required
Issued – Insured is Rated
Issued COD – Applicant Qualifies for ALX Only.

36. Issued COD – Additional Signature Required
COD Letter of Transmittal - amount of premium to be collected $0.
Policy Amendment - advises proper signature required on Policy Delivery Acknowledgement.
Policy Transmittal Letter - instructs Agent to refer to Policy Amendment.

37. Issued COD – Additional Signature Required
COD Letter of Transmittal - amount of premium to be Policy Delivery Acknowledgement - Agent has 30 days to place policy and return the signed Policy Delivery Acknowledgement and COD Letter of Transmittal to Home Office.

38. Issued COD – Insured is Rated
Policy amendment - explains reason for rating – policy issued at reduced face amount to match submitted premium.
Policy Transmittal Letter - shows original face amount and rated premium. If customer wants original face amount applied for rather than the reduced amount, the Agent should collect the additional premium at delivery or have the customer sign the COD Letter of Transmittal to draft the additional amount of premium due. If reduced face amount is placed, no signature is required on the COD Letter of Transmittal.

39. Issued COD – Insured is Rated
COD Letter of Transmittal – amount of premium to be collected $0.
Policy Delivery Acknowledgement - Agent has 30 days to place policy and return the signed Policy Delivery Acknowledgement and COD Letter of Transmittal to Home Office. If reduced face amount is placed, no signature is required on COD Letter of Transmittal.

40. Issued COD – Applicant Qualifies for ALX Only
Policy Transmittal Letter – if the premium submitted with the application will purchase less than a $15,000 ALX, we will produce an ALX policy to match the submitted premium and include an alternate premium quote for an ALX policy equal to the original amount applied for up to a maximum of $15,000.

41. Issued COD – Applicant Qualifies for ALX Only
If the customer wants the alternate amount, the Agent should collect the additional premium at delivery, or have the customer sign the COD Letter of Transmittal to draft the additional amount of premium due.

42. Issued COD – Applicant Qualifies for ALX Only
Policy amendment – plan amended to ALX due to medical history. ALX policy issued at reduced face amount to match submitted premium up to a maximum of $15,000.
COD Letter of Transmittal – amount of premium to be collected $0.

43. Issued COD – Applicant Qualifies for ALX Only
Policy Delivery Acknowledgement – Agent has 30 days to place policy and return signed Policy Delivery Acknowledgement and COD Letter of Transmittal to Home Office.
If reduced face amount is placed, no signature is required on COD Letter of Transmittal.

44. OI525002 (OI525003) Pending COD Policies by Days Pending
Weekly

45. FA215001 (FA215003) Premium Notice/Combined Billing Clients
Weekly

46. LNL New Business Status Report
APS – Attending Physician Statement
MVR – Motor Vehicle Report
PARAMED – Medical tests required
ADDIT EXAM
ORAL SWAB
COD REMITTANCE
INFO AGENT

47. Pending Messages NAR/AR – No Action Required / Action Required
RIP — recorded interview by phone
QAC — quality assurance call
SBSI — call requesting financial info for large life cases
IBU — interview by underwriter
MEDICARE LETTER
INFO AGENT

48. BI925003 (BI925011) Batch Pending Worksite Report Agents
Weekly

49. BI025004 (BI925013) Batch Pending Report Agents
Weekly