Non-medical does not mean guaranteed issue. Applications are subject to MIB and medical history. An underwriter
, at their discretion, may order additional underwriting requirements such as a telephone interview (PHI) an attending physician’s statement/medical records (APS), a paramed, a urine specimen (HOS) or blood (ABC).
Take some time to study and learn the underwriting requirements for the insurance companies and products you are representing. You will find that it makes your job easier. Becoming a competent field underwriter gives you an air of confidence that sets you apart as an insurance expert, making it harder for the competition to knock your business out.