The week of October 24 is Field Underwriting Awareness Week @ Crump, and to celebrate, we are highlighting field underwriting, along with several sub-topics about field underwriting.

Field Underwriting
Collecting data about your client is an essential step in the underwriting process. Known as field underwriting, this information allows your underwriter to better assess your clients' medical history and help determine what underwriting classification your clients may qualify for. Providing the most detailed information possible can help your underwriter furnish the most reliable quote. Details

Field Underwriting with a Focus on Cancer Histories
Cancer is one of the most encountered impairments in life insurance underwriting. While there are some common elements that cancer histories share, there are also many unique components depending on the type of cancer. Details

Field Underwriting with a Focus on Diabetes
Like cancer, diabetes is one of the most commonly encountered impairments in life insurance underwriting. When it comes to underwriting clients with diabetes, asking these questions and gathering additional information can help your underwriter better find the carrier(s) that will offer the most competitive underwriting. Details

Field Underwriting with a Focus on Heart Disease
A heart, like most houses, has walls and electricity; it has “plumbing” that delivers blood and oxygen to itself (coronary arteries) and windows (valves) through which blood flows. All these parts work in concert to keep you safe, comfortable, and living well. Underwriting risk, whether in real estate investment or the offer of life insurance, requires careful inspection—and an understanding of the function of each of the parts. Details

Field Underwriting with a Focus on Insurable Interest
A reason to buy insurance is not necessarily a reason to insure. Offering your client a good reason to purchase life insurance is only half the battle. You must also be prepared to provide the life insurer (the carrier) with a reason to insure. Details

Have questions about field underwriting? Contact your Crump underwriter today to discuss how Crump’s underwriting programs can help you grow your practice and your bottom line revenue.

For Financial Professional Use Only. Insurance products are available through Crump Life Insurance Services Inc., AR License #100103477. Products and programs offered through Crump are not approved for use in all states. Not all applicants will qualify for coverage. Policy terms, conditions, and limitations will apply. Crump does not provide any tax or legal advice. Variable insurance material is for broker-dealer or registered representative use only. Variable products may be distributed by P.J. Robb Variable Corp., AR License #100110185. Member FINRA. 10.22 UNDW22-11199-A, 0924