為什麼人壽保險承保這麼長？
為什麼人壽保險承保這麼長？
 If you are applying for a policy that requires an exam, there is the chance that the underwriter will want to see your medical records. As an impaired risk life insurance specialist, I have seen several cases take nearly 6 months due to the complexity, amount, and elusiveness of those applicants' medical records. This is what I have learned, to help speed up the process. 1) Put all the doctors you have seen in the past 5 years on your application, and include the doctor who diagnosed your most serious health conditions. Delays often happen because records are received, but then the underwriter notices that the patient was referred to someone else during that time. Getting all your doctors noted at the start does not necessarily mean the insurance company will order records from all of them, but at least it gives underwriters the opportunity to pick and choose which ones they want, so they order them in a timely manner. 2) Do your exam quickly. Putting of an exam for months sets back the whole application process. Sometimes medical records are not even ordered until the exam is done. 3) Warn your doctor or clinic that they will be getting a request for your medical records, and ask them to fill the order ASAP. You might even want to collect your own medical records to speed things up, if that is allowed. 4) Provide additional details in a timely manner. Sometimes insurance companies will see something on your MIB or MVR or application that will cause them to need more information. Answering that extra question, filling out that extra form, or doing whatever needs to be done, can eliminate unnecessary delays. 5) Don't jump to another company without talking it over with your agent first. Give him/her a chance to find out where the logjam is, and get it cleared up. If you cannot get answers from your agent, it's OK to switch, but close your first application out, or transfer it to someone else. Otherwise, you may end up applying for the same policy with two different agents, and that can cause further complications and delays.
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