Underwriting
Questions to ask for HBP
height/weight
sleep apnea/asthma
how long have you had the med? 12 months
Any change in dosages?
What is the benefit amount for an MRI on Plan Level 2?
$400
I take a thyroid med. What questions do you ask?
Hypo/Hyper
Goiter, Thyroid Nodules, Hashimotos, Nodules, Cyst?
Medication?
Surgery?
Non-cancerous?
Recovered?
How many states does USHA sell in?
33 including PA & AZ
#3 in the office for issued career biz
William Trujillo
What is the period for kidney stones?
2 years, single episode
At what age is a Mammogram covered?
35 or older
What types of skin cancer are okay? Also, waiting period..
Basel & Squamous Cell, 6 months after successful surgical removal.
No melanoma!
In what states do we sell Premier Choice?
Maryland, Ohio, Indiana.
#4 issued career issued biz on Team Next Level
Payton Karnow
Drill down for anxiety/depression
PCP/Psych
How long?
Counseling or therapy?
What is the out of network Out of Pocket Max?
$9,000
I have migraines...
Date of diagnosis
Medications?
Surgery?
Injections or auras?
How much do you get paid quarterly if you sell Exec Diamond vs Pearl?
Pearl - $8.4
Which FTA team in the office has the most issued biz?
NEXT LEVEL
How would you list Endometriosis?
SURGICALLY CORRECTED WITH, HYSTERECTOMY/LASER SURGERY, AND WITH FULL RECOVERY
Is coverage under the Premier Advantage Fixed Indemnity Plan guaranteed renewable?
YES!
Not on Premier Advantage, 1 year wait period.
Yes on Secure Advantage, Rider.
What is the yearly limit they pay out for HAGI?
300k
How many FTA's are there?
10
Can you be on anxiety meds for 15 years and get approved for the plan?
No, they consider that as chronic depression/anxiety. Typically 7 years is the maximum.
In what states does preventative care not have a waiting period?
Texas & Missouri
What is the waiting period for someone with a torn rotator cuff?
Full mobility, successful treatment or surgical repair with full recovery.
What are the non-association states?
Nevada, Utah, South Dakota, Kansas, Maryland
How many people are on Next Level including David?
13