Is Your Client Insurable for Life Insurance?

Many factors can influence ratings and acceptability for life insurance. Depending on age and desired coverage, the following could be requested.

• Paramed or MD Exam (physical exam, usually in the client's office or home)
• Inspection (financial and lifestyle questions by a trained telephone interviewer)

Call Delta 's life desk (800)441-DELTA (3350) or click here to e-mail us if you have more questions. Here are some questions which your clients need to answer to qualify for life coverage:

• Has your client used any tobacco products within the past 3 years?
  Preferred Non-Tobacco is a rating for persons who do not smoke and have no other health issues, or have minor health problems which are being successfully treated with medications. Preferred Tobacco includes people who have tobacco usage of any kind (including chewing tobacco, patches and gum) in the past 3 years but have no other health issues.
  
  
• Has your client had any heart problems or are they currently on medications for heart related illnesses?
  Many clients use medications and their heart issues are under control while others require more care, even surgery. (Call Delta for further details: (800)441-DELTA)
  
  
• Has your client had any occurrence of cancer?
  A yes answer to this question will result in extra screening questions. If the cancer has not re-occurred in 3-5 years the client could be insurable but may be rated. (Call Delta for further information)
  
  
• Does your client plan to travel to foreign countries?
  This is a common question which concerns insurance carriers. There are many parts of the world which are currently considered unsafe for travel, and they are viewed as an unacceptable insurance risk. Examples include China, the Middle East and parts of Africa.
  
  
• Is there a family history of cancer or cardiac problems?
  These diseases, including a history of deaths prior to age 50, may lead to rated offers.
  
  
• Does your client's height and weight fall within these underwriting quidelines?
  Common sense should be a guide as to whether obesity may impact a client's ability to perform activities of daily living. If they do, the client may be uninsurable. Cost of insurance and overall insurability will be affected by the above question .

Next step…get a quote! Once you have the answers to these questions, and you believe your client is insurable, click here for a quote! You'll have it the same day.