Disability Insurance Underwriting Tips
Jan 17, 2013
Jamie Fleischner

Jamie Fleischner

17 Jan, 2013

Tips to a Smooth Disability, Life and Long Term Care Insurance Underwriting Process

Disability insurance underwriting can be an intimidating process. But it doesn’t need to be. Here are some tips to help you with your individual disability insurance underwriting process:

1)      Be upfront with your agent or broker about your medical history. This will help prevent any surprises along the way. For instance, if you recently had a surgery or were recently diagnosed with a disease, the agent or broker may be able to accurately assess whether or not you should apply now or wait to submit your application.

2)      Work with an experienced broker. The experienced broker can help address any concerns and provide you with realistic expectations about the process.

3)      Have all of your financial documents ready. Waiting for a recent tax return or W-2 can delay the underwriting process.

4)      Don’t wait to conduct your phone interview. The phone interview dictates if the company needs to request additional medical records.

5)      If medical records are required, contact your doctor’s office to notify them. This may help put your records on the top of the pile.

6)      Complete your application accurately. If there is missing information, the company will still request this information which can delay the process.

7)      Work with a broker who has a good relationship with the company. Some companies such as Set for Life Insurance have priority underwriting status which helps expedite the underwriting process.

For more information about disability insurance underwriting or to request a quote, contact Set for Life Insurance today!


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Getting the right disability insurance can be downright confusing. At Set For Life, we’ll help you understand the options and work with you to select just the right product for you and your family. These articles will help you understand some of the complexities involved, but we’re happy to walk you through it! If you’re ready to get set, reach out for a quote today!