New Business FAQs

EXAM PREP "HINTS"

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• No exercise regimen within 12 hours of the exam, including a morning jog or trip to the gym
• No extensive exercise (marathon, bike racing, etc) within 7 days of exam
• There is no need to “fast”, but avoid salty, sugary, creamy and fatty foods
• No tobacco within 1 hour; ideally, none the day of the exam
• No excessive caffeinated coffee
• No “energy drinks” the day of the exam
• Refrain from drinking alcoholic beverages for at least 12 hours prior to the exam
• Make sure a big blood pressure cuff is used if the client has a thick arm
• Make sure urine is collected before blood pressure is taken
• No talking during blood pressure; it should be done while sitting and in a quiet room
• Men age 50 plus, no prostate massage or digital rectal exam within 3 days if a PSA is being done
• Ideally, no breakfast before a morning exam- and try to schedule the exam in the morning hours
• Get a good night’s sleep, no exam on 5 hours or less of rest
• No exam if under undue stress.
• No exam if in pain or symptomatic with acute illness
• No exam within 7 days of being in the hospital for any reason
• Dress light and remove shoes (for build purposes)
• Provide a list of all medications taken, prescription and non-prescription, and a list of all medical professionals seen within the past 5 years and the reason for the visit
• For applicants 70 and above, carriers may require a Senior Supplement. This involves a variety of tests involving timed movement, memory recall, activities of daily living and drawing. These results can have a major impact upon insurability, it is important your client is prepared and knows what to expect

Yes. There are 2 major insurance labs in the industry today where all labs are processed: ExamOne and CRL (Clinical Reference Lab).Typically lab results are available within 7 days after a sample is drawn. Below are instructions on how clients may access their results:

Exam One

1. https://applicant.examone.com
2. Click “Register Here” - and be sure to include the bar code number on the sticker that is affixed to the front of your ‘Important Information’ brochure.
3. You will receive an email notification when your results are available.
4. Simply follow the link in the email, and log in using the username and password.
5. You will need to read and accept the Terms of Use on the site.

CRL

1. www.accessmylab.com
   
2. When prompted, enter you date of birth (the phone number should be prepopulated)
   • A personal PIN number will be provided via text or voice message from an interactive voice system
   • Enter the PIN to view your lab report online
   • Save or print

Most carriers allow some form of electronic signatures on their new business paperwork.  Carriers are contracted with a variety of vendors and providers and have different rules and parameters. 

For those that allow electronic signatures, most forms can be signed electronically other than 1035 forms, assignment forms and surrender forms.  Some carriers require traditional signatures on policy service forms and HIPAA authorizations. 

It is important to note that HIPAA authorizations signed electronically may be accepted by a particular carrier, but in most cases will not be accepted by doctor’s offices when ordering records. 

Many carriers will require contract addendums and / or electronic signature agreements for a particular vendor prior to allowing electronically signed forms to be submitted by an agent or agency. 

Please contact Windsor for the most up to date electronic signature information for each carrier 

In addition, Windsor has DocuSign capabilities, which allow you to process signatures and applications electronically.