There are specific guidelines that should be followed to speed the underwriting process, according to Paul P. Aniskovich, president and CEO of U.S. Financial Life.
“Whats needed,” says Aniskovich, a former agent, “is for agents to offer the total picture–which links to the home office underwriters need to have all the facts.”
As listed by Aniskovich, the total picture must include information on:
–Controland controllable conditions. All home office underwriters want to know if your applicant has a condition that can be controlled. For example, does the person suffer hypertension and, if so, does he or she faithfully take prescribed medication?
If so, thats a controllable condition. Conversely, an example of a non-controllable condition is cancer that has spread.