Underwriting Questions

Technically, Epilepsy falls under “nervous system disorder” under question 2 of our application. However, we realize there are degrees to this illness.

The simple solution is to select Guaranteed Issue as the product. However, if you would like to apply for an exception, you can email us with the following information and our underwriters will adjudicate the case in a timely manner for you.

 

Name of client (for tracking purposes)

Age

Amount of coverage seeking

Product(s)

Other medical issues

When was the client diagnosed with epilepsy?

How Frequent and severity are the seizures?

When was the client was last hospitalized from seizures or as the result of seizures?

Detail the ongoing treatment for the epilepsy

 

Once we have this information, we will be able to give you a better idea if we can accept your client for standard coverage and we will provide instructions on how to proceed with the application.

 

Click here and email us with the details.

While Depression falls under “mental disorder” under question 2 of our application, we realize there are degrees to this disorder.

To ensure that your client will be covered please include the following in your email inquiry and in the notes section on the application.

 

Name of client (for tracking purposes)

Age

Amount of coverage seeking

Product(s)

Other medical issues

When was the client diagnosed with depression?

How frequent and how severe are the episodes? (mild, medium, severe)

Is there any history of self-harming (including attempted suicide, eating disorder, etc)?

When the client was last hospitalized for depression or as the result of depression?

Detail the ongoing treatment for the depression

 

Once we have this information, we will be able to give you a better idea if we can accept your client for standard coverage and we will provide instructions on how to proceed with the application

 

Click here and email us with the details.

While Bipolar disorder and Schizophrenia fall under “mental disorder” under question 2 of our application. However, we realize there are degrees to these disorders.

To ensure that your client will be covered please include the following in your email inquiry and in the notes section on the application.

 

Name of client (for tracking purposes)

Age

Amount of coverage seeking

Product(s)

Other medical issues

How long has the client has suffered with Bipolar disorder or Schizophrenia?

How frequent and how severe are episodes?(mild, medium, severe)

Is there any history of self-harming?

When client was last hospitalized for Bipolar disorder or Schizophrenia or as the result of disorder (directly or indirectly) and how often does this occur?

Detail the ongoing treatment for the Bipolar disorder or Schizophrenia. How consistently the treatment is adhered to?

 

Once we have this information, we will be able to give you a better idea if we can accept your client for standard coverage and we will provide instructions on how to proceed with the application

 

Click here and email us with the details.

We understand there are grey areas in any application’s medical questions. If you are in doubt over whether or not your client is eligible for a product, or if you wish to apply for an exception to a medical question, please provide us with the following in your email inquiry:

 

Name of client (for tracking purposes)

Age

Amount of coverage seeking

Product(s)

Other medical issues/co-morbidities

When was the client diagnosed with the disorder/disease/illness?

What is the frequency and severity of symptoms or flare-ups?

When was the client was last hospitalized as the result of the illness (directly or indirectly) and how often does this occur?

Detail the ongoing treatment prescribed. How consistently the treatment is adhered to?

 

Once we have this information, we will be able to give you a better idea if we can accept your client for standard coverage and we will provide instructions on how to proceed with the application

 

Click here and email us with the details.