Pre-Screening Questions for Clients
Use the following pre-screening questions to help determine if a client is a good prospect for Individual Disability Income (DI) insurance coverage.
The answers to these questions provide details of your client’s situation and allow you to present accurate illustrations and/or have discussions with clients about what to expect when they apply for Individual DI insurance such as if a policy may be issued as standard, rated, ridered or declined.
Occupation
- What are your duties at work?
- Are you self-employed? If so, for how long? How many employees do you have? What is your percentage of ownership of the company? Do you work out of your home?
- What is your taxable earned income this year? Last year?
Other Coverage
- Do you have any other disability insurance coverage (for example, group disability or individual disability income insurance)?
Medical History
- What is your height and weight? (Refer to the DI Underwriting Guide to see whether an exam is required due to your client’s build).
- Do you take any medication?
- Do you have any history of:
- High blood pressure
- Heart disease
- Circulatory conditions
- Blood/Protein in urine
- Mental/nervous consitions
- Bones/joint conditions
- Back/neck conditions
- Diabetes
- Fatigue
- Stress
- Cancer
- Asthma/respiratory conditions
Non-medical
- Have you smoked cigarettes or used any tobacco substitutes in the past year?
- Are there any citations on your driving record
- Do you participate in activities that might be considered hazardous (for example, hang gliding, scuba diving, auto racing, etc.)?
