Term life for a mid-60 year old. Underwriting is taking too long. It's been 2.5 months and was just asked for more info yesterday.
Every few weeks or even a month later, they want something else - more medical records, another APS, etc.
Why doesn't the underwriter just ask for all the doctors the client has seen in the past 5 years and then request an APS and all medical records the FIRST time he looks at the file?
Why is this process so inefficient and illogical?
I know underwriting would be faster for a younger person with no blemishes in their health records, but damn... this is getting ridiculous.
I now understand why people love Final Expense; for the speed of it. And why they stay away from fully underwritten life insurance for older people.
Every few weeks or even a month later, they want something else - more medical records, another APS, etc.
Why doesn't the underwriter just ask for all the doctors the client has seen in the past 5 years and then request an APS and all medical records the FIRST time he looks at the file?
Why is this process so inefficient and illogical?
I know underwriting would be faster for a younger person with no blemishes in their health records, but damn... this is getting ridiculous.
I now understand why people love Final Expense; for the speed of it. And why they stay away from fully underwritten life insurance for older people.