Pre-Qualifications
Email or Call YOUR Underwriting Team!
Yes, I said YOUR underwriting team; we are here for you!
United Security Assurance encourages you, our valued agents, to call the underwriting team with questions and/or information about your client before you take an application. This way, you will have a better idea of what they will qualify for and what insurance product to offer them. You have an awesome resource on the opposite end of your computer or phone — YOUR underwriting team. Email or call us with your client’s information and we can help you work through questions, as well as provide answers. When calling with a prequalification, there are a few key pieces of information that will be asked right from the start:
- What state does your client live in?
- How old is your client?
- What is his/her height and weight?
- What medications are they taking?
- What health conditions are they current, and within the past 5 years, been treated for or consulting a doctor for?
When you have a diabetic client, we will ask the following:
- What is the most recent HbgA1c level
- Are there any complication — Neuropathy (burning/numbness/tingling of the feet/legs), Retinopathy (hemorrhage behind the eye; laser treatment?), Nephropathy (kidney insufficiency-high protein in the urine [microalbuminuria], elevated BUN & Creatinine levels in the blood)
- If taking insulin, how many units/day
When you have someone with arthritis or musculoskeletal pain, we will ask the following:
- Have there been any joint replacements? Which joint and when?
- Has there been any physical therapy or injections received within the last 6 months?
- If yes, what part of the body and how often?
- Are there any walking aids? Cane-single or 4-prong, walker, etc.
- Are there any limitations to physical activity or ADLs?
There are many health conditions and medications out there and we will help you ask the appropriate follow up questions to help you better qualify your client. The more information we know before you submit the application, the more accurate your rate proposal will be.
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Email or call us today and let us know how we can help you help your client! Jen – jhowlett@usa-cal.com 800-872-3044 (between 8:00am — 5:00pm EST) |
United Security Assurance – Pre-Qualifications
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