Underwriting

Info to gather before quoting:
Height/weight
Non-tobacco or tobacco
Diagnoses being treated
Current medications
Pending treatments
Therapy: physical, occupational, speech
Previous declines
Use of cane, walker, wheelchair

How to prepare for an exam:
Get a good night’s sleep
Stay hydrated
Medications list
Disclose blood draw issues
Do not consume salty foods
Do not do strenuous exercise
Do not drink alcoholic beverages
Avoid nicotine and caffeine

How to prepare for a phone interview:
Medications list
Physicians contact information
Dates of surgeries
Dates of hospitalizations/ER visits
Have test and lab results handy
Be in a quiet place without distraction
Do not drive during interview

Cognitive assessment:
Often required for LTCI
Usually by phone
Sometimes face-to-face
Take even silly questions seriously
Don’t be funny
Don’t allow distraction