Medical underwriting is when a health or life insurance provider uses the applicant’s medical history to determine whether to offer the life insurance policy to them and include pre-existing medical conditions inclusion or exclusion or set higher premiums than the standard. The entire process is strategic handling to ensure the success of the case in the client’s interest.
At Edison Risk, we have a team of medical underwriting specialists who adopt a unique approach to each case and personalized handling. We identify and clarify any potential issues, discuss risk perceptions that life insurance providers can have regarding your client, and help determine how you can prepare your client for medical examination and process of financial underwriting in the best possible way. We then match the insurance solution to the insurance carriers negotiating the most beneficial life insurance offers for your clients. This has resulted in the consistent delivery of highly competitive underwriting offerings available.
