Underwriting guidelines · The Real Insurance Group

Underwriting guidelines

Bankers Fidelity: VERY strict on all fronts. Healthiest clients go to them

Healthspring: Decently favorable but i'd check meds always.

Aetna: always follow the 3/3/3 rule. 3 bp, 3 chol, and 3 diabetes meds and they'll decline. NO INSULIN

AFLAC: Same underwriting as Aetna

WELLABE: BY FAR the most lenient underwriting. If they're close to the top i'd go with them first every time. if they decline, there isn't much hope. pipeline for mapd when they're ready to make the jump. or

Also, always find out why they we're declined and keep in mind that you can always circle back if its time thing.for example heart attack 18 months ago and the rule is 24 months. pipeline for another try in 6 months.

build your pipeline, build relationships and the deals will come.

EDIT: REMEMBER THE BIRTHDAY RULE STATES. MAKE A LIST. AND IF SOMEONE IS DECLINED HIT THEM UP IN THAT 60 DAY WINDOW!

GOD IS GREAT. HE WANTS YOU TO WIN. KEEP THAT IN MIND. YOU'RE HERE TO BUILD, GROW AND CREATE. AS YOU WE'RE MADE IN HIS IMAGE.

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Underwriting guidelines