Camila, a 63-year-old woman in Arizona, applied for MutualCare^® Custom Solution. She was quoted Select; however, after underwriting review, a Class I rate was offered.

How did this happen?

During the application process, Camila hadn’t told her agent about a stroke she had 3 years ago, and it was discovered when the underwriter reviewed her medical records. This stroke history changed Camila’s rate class, and upon discovery the underwriter emailed the agent regarding the rate class change and encouraged the agent to call and discuss options with the client.

The agent discussed the rate class change with the client and they changed benefits so the policy could still be placed near the quoted premium amount.

Tip:  Remind clients to be as open and honest as possible during the application process, as undisclosed conditions can affect insurability. When in doubt any time while writing an application or prescreening, give underwriting a call at 1-800-551-2059 or email ltcunderwriting@mutualofomaha.com.
 

Case Study: Why Clients Get Issued “Other Than Applied”
 

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