When your client has a medical condition, it does not necessarily mean they won’t be considered for Disability Income Insurance. Here are some common medical conditions that can still be covered.
Hypertension — this is something you may encounter often. Your client may be issued coverage if they have condition well controlled and are diligent about medical follow-ups.
Diabetes — this will require a medical records review. If your client is well-controlled with an A1c of 7.0 or less, on one oral medication, does not have high blood pressure and is at a healthy weight, they should be issued coverage.
Back conditions — this is the highest reason for claims in the insurance industry. But your client may be considered if you include the history of back surgery, chiropractic treatment and there is no narcotic issue.
For more information on the DI success underwriting tips including common medical conditions, click here.
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