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For
your Declined, Rated and Hard-to-place
cases, we highly suggest for you
to go for our
Guaranteed
or Simplified Issue Products
or we can simply shop the case with
other Carriers and Reinsures who
can give a better offer for your
cases. We can send the inquiry to
the Carriers either by a quick quote
questionnaire or an informal inquiry.
A
quick
quote questionnaire is
a one page form where the client/agent
briefly summarizes the client's
present and previous medical condition.
No medical records, exams attached
and offers usually came back within
48 hours.
For
an informal inquiry, a much detailed
report on the client's medical condition
is required, usually the attending Physician's
Notes (APS) are submitted
along with previous and current copies
of client's exams to our Underwriters
so to give them a better idea of the
client's medical standing. The informal
underwriting will usually take longer
than the Quick Quote but the assessment
will be more accurate than the latter.
The
following will be needed to complete
an informal inquiry:
1) Complete
current medial records of the client
for the last 5 years,
2)
Signed
MIB/HIPAA
Authorization
from the client.
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