Harris Insurance Advisors

Impaired Risk

Approximately 50% of life insurance applicants are incorrectly rated or declined due to outdated underwriting manuals. Clinical Underwriting is a revolutionary approach to underwriting that evaluates your client as an individual, not as part of a larger group called Table 6, Table 8, etc. Clinical Underwriting focuses on four key factors:

Control - Is the health impairment controllable?
Compliance - Is the applicant following doctors' orders and making lifestyle adjustments?
Family History - Does your client have a favorable health history?
Complete Medical Information - Do we have all pertinent.

Underwriting Questionnaire

Complete our fast and easy underwriting questionnaire to receive a preliminary offer in 48-hours or less

Personal Information

First Name:

Email:

Last Name :

Occasional Tobacco User:

Yes No

Date of Birth:

mm dd yy

Insurance Amount:

Sex:

Male Female

Plan of Insurance:

Term UL SUL

Height:

Additional Insured's Name (only if applying for Survivor UL)

Weight (lb):

Phone:

Other Companies Actions

Company Name

Action

Date

mm yy

Select disease you have

Cancer	Diabetes	HepatitisC	Stroke
Dental and Vision	Disability	Obesity
Depression	Heart Disease	Sleep Apnea