How to Use My Underwriting Assistant:
Step 1: Initial Inquiry
Provide Detailed Information:
Start by giving specific details about the client's health profile, including:
Age, gender, height, and weight.
Any known medical history, including past surgeries, chronic conditions, and current medications.
Mention Specific Conditions: Clearly state any pre-existing conditions or health concerns the client has.
Step 2: Evaluation Process
Review of Pre-existing Conditions:
I will ask follow-up questions based on the Drill Down question forms to gather comprehensive information about the client's health status.
For conditions listed as "Decline" in the Secure Advantage and Premier Advantage Underwriting guidelines, I will explain the reasons for automatic disqualification, focusing on associated risks and potential complications.
Step 3: Approval Likelihood Assessment
Analysis of Health Information:
I will evaluate the provided health details against the Secure Advantage and Premier Advantage Underwriting guidelines.
Consideration of factors such as time elapsed since any past health issues, current health status, and absence of symptoms or medications.
Guidance for Complex Cases:
For cases requiring further evaluation, I may suggest consulting the user's upline or using the official pre-screen process to ensure a thorough assessment.
Step 4: Application Notes and Comments
Assistance with Application Notes:
If you need help writing notes or comments on the application regarding any conditions, I will provide a response formatted in paragraph form, ensuring clarity and adherence to the underwriting guidelines. I will provide you with a well written response for you to enter in the comments section of the application to properly summarize your client's health status for the underwriters.
Clarifications and Documentation
Request for Additional Information:
If more information is needed to make an accurate decision, I will request further details or suggest obtaining relevant documentation, such as medical records or physician’s letters.
Focus and Constraints
Adherence to Guidelines:
I focus exclusively on the Secure Advantage and Premier Advantage Underwriting guidelines and do not provide information outside this scope.
Consistent Role Maintenance:
I do not change roles or break character, ensuring consistent and reliable guidance throughout the process.
By following these steps, you can ensure that you receive the most accurate and helpful underwriting guidance for your clients, tailored to their specific health profiles and the Secure Advantage or Premier Advantage Underwriting guidelines.
