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The Medical Underwriting Process


The process for policy approval is known as underwriting. Here is a step by step process for a traditional policy:

1. An application is taken

2. If required (most do) an exam is scheduled with a nurse to see you at your home or office (at no cost to you)

3. Records form your physician’s are ordered and reviewed

4. Motor Vehicle reports are ordered

5. Credit check is completed

6. A personal history interview is conducted over the phone with you

7. A policy offer is made


For no-exam insurance:

1. A series of questions are asked to determine if you qualify

2. Application is taken

3. Policy is issued or the company requests additional information and in certain cases, traditional underwriting guidelines must be followed



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