1. Familiarize yourself with underwriting requirements in the agent guide. It contains height and weight charts, a list of medications associated with uninsurable conditions and other important information to help you judge an applicant's insurability.
2. Pre-qualify the applicant. Submit your request for pre-qualification to ltcunderwriting@mutualofomaha.com by 2 p.m. Central Time and we'll have an answer for you by 5 p.m. the same day. Guaranteed.
3. Use the correct application. Be sure to use the application for the client's state of residence.
4. Answer all questions on the application and complete all necessary forms. Submitting an application with missing information adds to the issue time.
5. Include a cover letter. The more you can tell us about your client, the easier it is to provide an underwriting decision. Include information like specialty physicians the client may be seeing, dates of last doctors' visits, all medications, current health and activity level and whether the client has been declined for LTCi coverage by another carrier.
6. Provide your contact information on the producer statement section of the application so we can reach you if we have questions or if information is missing.
7. Prepare your client for the health interview. Explain the importance of the interview and help your client gather the names of doctors and all prescription medications.
8. Place the call to begin the health interview before leaving the client’s home. Call 866-544-1617 and turn the phone over to the client. Remember, you must not be present during the actual interview.
9. Check your pending report regularly to monitor the status of your case so you can resolve issues quickly.
10. Contact an underwriter if you have questions or are unsure about submitting an application. Our underwriters are available weekdays from 8 a.m. to 4:30 p.m. Central Time. Call 800-551-2059 or send an e-mail to ltcunderwriting@mutualofomaha.com.