Underwriting Guides


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I am in the process of getting appointed with more MM health companies. I am currently appointed with one right now and my question is what can I expect to receive from each company upon appointment pertaining to underwriting? Will each company send me their field underwriting guide so I can determine what risk class prospects fall into and what riders they can expect to receive or if they will be declined? I do know each company uses different height/weight tables and has different declinable conditions lists. Thanks in advance for your help.
It may differ some state-to-state, however generally each carrier uses its own underwriting guideline and they do vary from carrier to carrier.

All CA carriers selling IFP have the guidelines available both in print edition and on the agent sections of their web sites.
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