Insurance Application Health Questions

[FEGuy2022]

I am new to FE and had a few questions.

1. Do the health questions differ if it's term vs. whole life?
2. Do the health questions differ by insurance company?
3, Do the health questions differ by state?
4. How do I get a hold of various applications to see the health questions asked and/or where can I find a list of the most common health questions asked on the app?

Thanks!

 

[jdeasy]

I am new to FE and had a few questions.

1. Do the health questions differ if it's term vs. whole life? Yes
2. Do the health questions differ by insurance company? Yes
3, Do the health questions differ by state? Usually no but occasionally yes
4. How do I get a hold of various applications to see the health questions asked and/or where can I find a list of the most common health questions asked on the app? Get an application from the company.

These are questions really for your upline. If they can’t answer those very basic questions then get a new upline.

 

[Todd King]

I am new to FE and had a few questions.

1. Do the health questions differ if it's term vs. whole life? Depends whether it is simplified issue or fully underwritten, but many of the questions would be the same.
2. Do the health questions differ by insurance company? Sometimes
3, Do the health questions differ by state? Sometimes
4. How do I get a hold of various applications to see the health questions asked and/or where can I find a list of the most common health questions asked on the app? When you are appointed with a company you'll have access to all of that.

Thanks!

 

[fed up]

Always ask the question exactly as it is written. "Within the last 5 years" " Have you EVER been told" " Have you seen a specialist". Listen to your client to see if they understood the question as many will start a story about an event outside the range of the question.