• What prescription medications do you take? (This information is extremely helpful in initially assessing the risk.)
  • Do you have any history of heart disease, high blood pressure, cancer, diabetes or similar conditions? These conditions are most likely to affect underwriting outcome.
  • What is your level of functional activity? Older clients who drive a car, manage their own finances, have physical hobbies like golf, and so on are better mortality risks than those who do not.
  • Do you receive regular health care? Clients who see a doctor regularly are more likely to benefit from early detection of ailments.

–Steven R. Craig,

Second Opinion Insurance Services, Woodland Hills, Calif.


Reproduced from National Underwriter Life & Health/Financial Services Edition, November 12, 2001. Copyright 2001 by The National Underwriter Company in the serial publication. All rights reserved.Copyright in this article as an independent work may be held by the author.


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