The Underwriting Process
The underwriting process can be divided into 8 simple steps:
1: Fact Gathering
Establish expectations, this is a tough but fair process.
- Client Name
- Date of Birth
- Tobacco use
- Gender
- Occupation/Duties
- Net Income
- State of Residence
- Medical History
- Medications
2: Request Proposal
- Online at dibroker.com
- Call direct to our Product Coaches
- Fax a quote request
3: Carrier Appointment
- Complete Carrier appointment. Insure your state is not a pre-appointment state; if not then this may be completed with the submission of the application.
- Check LTC State Pre-Solicitation Training Requirements
4: Present Illustrations
5: Take Application
- Complete application
- Get Income Documentation
- Schedule Teleapp (if necessary)
- Schedule Paramedical
6: Underwriting
- Expect 4 to 8 weeks depending on medical history and case variables.
- Check Status Online at dibroker.com
7: Policy Issued/Delivered
- Have Policy delivery receipt completed.
- Get any amendments signed