What is the application process and what type of medical exam is required?


Once all of your questions have been answered and you are ready to move forward with the disability insurance policy or life insurance policy that is right for you, we will call you to complete the application together over the phone. Insurance applications are not the easiest documents to complete and we make it easy for you by completing all of the necessary forms for you. All required forms will then be e-mailed or sent via the United States Postal Service to you for your review and signature. Once we receive all completed forms back from you, everything will then be sent to the appropriate insurance company to go through the underwriting/review process. The underwriting process, which typically takes anywhere from 6-8 weeks, is a review of your application, financial documents, medical exam results, and your physician's records to determine your eligibility for the insurance plan that you have applied for. 

A medical exam, paid for by the insurance carrier, is required for most disability insurance and life insurance companies. This process can be completed in your home or any other convenient location. The exam takes about 15-30 minutes and is conducted by a licensed paramedical or medical doctor. An exam generally involves a blood and urine specimen, blood pressure reading, height and weight measurement, a series of questions regarding your medical history (past or upcoming surgeries, treatments and any other past or current medical conditions. You will also be asked for the names and addresses of any doctors you are currently seeing or have seen in the last five to ten years) and sometimes an EKG depending on the amount of insurance you are applying for.