Life or Disability Insurance

Application Submitted – What comes Next

If you are considering applying for life or disability insurance, or if you are currently in underwriting with us, we thought this page would be a valuable resource.  The underwriting process consists of a few steps (detailed below).  Please take a moment and watch the video about the underwriting process as it can help to give you some tips for getting the best results.

1. A phone interview that will be conducted by a representative from GIS.  The phone interview is a discreet and convenient way to provide the specific details of your personal medical history.  An experienced interviewer will call you to conduct a 15-20 minute phone interview.  The information you share is only used for underwriting your application and will be kept strictly confidential according to the guidelines in your signed application.  If GIS cannot reach you, they always leave a message with a phone number to reach them at.

2. A medical exam is conducted as part of the underwriting process, which is conducted by APPS (third party examination company).  This exam consists of a blood sample and urine specimen.  They will also measure your height/weight and blood pressure.  There will also be a series of questions that are similar to the medical questions that were reviewed with you when completing the application.

Preparing for your insurance exam and the underwriting process:

A personal history interview will be conducted as part of the insurance process.  Please have the following information available:
•  Names and dosages of current medications
•  Names, addresses and phone numbers of any doctors or clinics visited in the last five years
•  List of medical conditions or diagnoses including the date diagnosed, treatment, result of treatment, and treating physician    information.

Next, in order to achieve optimal results make sure you do the following prior to your exam appointment:

•  Fast for 12 hours prior to the appointment, if possible
•  Be prepared with a picture ID at the time of the examination
•  Limit salt and high-cholesterol foods 24 hours prior to the examination
•  Avoid strenuous exercise 12 hours prior to the examination
•  Refrain from drinking alcoholic beverages for at least 12 hours prior to your
•  Limit caffeine and nicotine one hour prior to your appointment
•  Provide any history of problems associated with providing a blood sample
•  Drink a glass of water one hour prior to the appointment
•  Get a good night of sleep prior to the examination

If you have any questions, feel free to contact us through email, the website, or at (781) 214-6197.