> Total client management
> Expert, streamlined process
> Life insurance underwriting
> Reduces advisor burden

Tele Health Predictions: Telephone Underwriting

Telephone underwriting service

Tele Health Predictions is a telephone service by Health Predictions which takes over the total medical history and management of clients, replacing the advisor’s need to take a medical insurance history and to define the underwriting medical requirements.

The service is designed around a telephone interview of the client by a nurse or paramedical about his/her medical status, followed by definition of underwriting requirements and completion of these requirements.

The service is streamlined, allowing the advisor to focus on the professional activity of offering advice.

The following benefits may be achieved:

  • Minimization of client stress and time
  • High quality information gathered:
    • accurate client profiles
    • reduced non-disclosure
    • less need for repeat interviews and medical assessments
  • Reduced confusion about medical assessments and tests
  • Decreased administrative load for all parties
  • Decrease cycle time
  • More precise risk assessment by the insurer

Process for telephone underwriting

  1. Following the usual advisor procedures (adviser client interview, insurance advice, financial assessment and identification), the advisor refers their client to Tele Health Predictions, either through the usual Health Predictions referral form, or by contacting us by telephone or fax. The only client details that need be supplied are name, phone number, the amount and type of insurance and the name of the insurance company.
  2. At a time convenient to the client a Tele Health Predictions paramedical phones the client for the interview, filling out the specific insurance company application questionnaire
  3. On completion, the information obtained can be electronically transferred to the underwriter who provides Health Predictions with the medical and pathology requirements (if any).
  4. The requested services are then arranged by Health Predictions at the client’s convenience, and on completion forwarded to the insurance company in the usual way.
  5. The system allows provision for reflex testing and further testing if requested by the underwriter.
  6. As is always the case with Health Predictions, each stage is notified to the adviser and the adviser has electronic access to all the data via a secure Health Predictions access site. Any questions are referred back to the advisor.

Contact us for more information about telephone underwriting