How to Navigate Your Underwriting Guides

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A fantastic tip for new health insurance agents is not only to go through their agent/broker guides and brochures but also to organize the information. You always want to quote proper rates and also put client’s with the correct carrier. 

For example, assume you have a client who’s 56 and hasn’t had a physical within the past 3 years. You recommend “Carrier A” but unfortunately come to find that they require a full physical within the past 3 years. Declined. You could have put them with “Carrier B” that did not have that requirement. 

Another very important piece of information is how your carrrier’s deal with pre-existing conditions in conjunction with prior creditable coverage. The video tuturial below will get more into that subject. 

 

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