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e.m.s.i. of akron inc. |
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654 portage trail |
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DID YOU KNOW?We received a very nice memo from a pleased agent on a case that Martha Fryman completed: "A big Thank You! Mr. W's application process and exam as proceeded smoothly and his file is now with the home office. On behalf of my colleagues and the management staff at Telelife, I appreciate your efforts in making sure that this exam was handled professionally and with the utmost care." If a person is a hard core runner it is not unusual for their pulse to be in the 40's. We do a lot of USAA people, ones who are active in the military and a lot of them are daily runners and have been for years, it's been my experience that these people are routinely in the mid to upper 40's. I do understand the value of a full minute pulse I don't dispute that in any way, just saying that pulses in the 40's are very possible in many of the applicants. I also run across this in the Dr's office, I will usually ask someone who's pulse I've just taken and is in the 40's if they are a runner and the answer is always the same----"Yep, daily". (submitted by Martha Fryman) If a person works out heavily with weights 2 days before an exam, it will cause an increase in their liver enzymes that can have their policy declined. You can use your BP cuff to help with your blood draw. Inflate to 70 or 80, palpate for vein as if using a tourniquet. Once tubes are filled, deflate BP cuff before withdrawing the needle. Apply pressure and remove cuff. You get about 6 inches more of pressure than a tourniquet and it keeps the veins from moving in front of the needle. It also brings deeper veins closer to the surface so you can feel them. (submitted by Virginia Cannane) When you status your cases for a reschedule or a no-show, DO explain why they have rescheduled and DO provide details of a no-show including the color of the house, car in driveway or any other scenarios to PROVE to the companies that you were actually at the applicants home. (explained in training manual) Be sure you have the applicant initial their height and weight!!!!! A company just recently questioned an applicant's height and weight and wanted me to go back out and re-measure his height. The agent said the applicant was 6' and he is 5'4". Having the applicant initial this information has to be accepted by the company now and I don't have to go back out! (submitted by BJ King) CAN AN EXAMINER DRAW BLOOD FROM A HAND? ABSOLUTELY NOT! PLEASE SEE BELOW: No, there is no exception form with indemnification, and we have this no stick in the hand policy for a good reason. If the applicant will not allow the blood to be taken from the antecubital space even with a butterfly, she/he will need to be completed in an outside controlled medical/lab setting.
Any pre-authorization must come directly from the underwriting department and the underwriter’s name must be recorded in the system notes for any necessary future reference.
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All forms will be on your examiner websites. If there is a form you cannot locate, please email JoAnn Clark click here
Accuquote Checklist for all companies except WCL Genworth Protective American General - #95680 (use #178 form) American General - #95681 (use #178 form) American General - #90519 (use #178 form) Examiner Checklist U-Direct National Brokerage HARTFORD GROUP EXAM FOR 5005-5006-5030 John Hancock Over 71 Questionnaire OH John Hancock Continuation form OH John Hancock Over 71 Questionnaire WV John Hancock Continuation form WV Lincoln Financial Group #905390000 - Use Lincoln Life #139 Lincoln National #904520000 - Use Lincoln Life #139 Met Enterprises #5147 - Use Metropolitan #1626 form Occidental Life Exam Form - OH Old American Insurance - AIG-178 Over Flow Form - Generic Pacific Life Over 75 Med Plus - OH - WV Polish National Alliance - pdf Prudential #900840000 - Use Prudential #212200000 Wellness Screening Summary Form
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