MetLife Ventilation Hood Aug-07 User Manual
MetLife Underwriting Manual
MetLife uses the Swiss Re Life Underwriting Manual
as its primary risk selection tool—allowing us to make
underwriting decisions that are more in step with:
as its primary risk selection tool—allowing us to make
underwriting decisions that are more in step with:
• Advances in clinical medicine
• The complexities of non-medical risk factors
• Advanced market concepts
• The “best practices” of the life insurance industry
• The complexities of non-medical risk factors
• Advanced market concepts
• The “best practices” of the life insurance industry
Telephone Surveys—Consumer Reports
As part of the application process, prepare clients to expect
a personal history interview phone call.
a personal history interview phone call.
Quality Assurance (QA) Customer Contact
Program—A compliance program via tele-interview
or mailed survey to verify certain information on the
application and ensure the client fully understands
the product purchased.
Program—A compliance program via tele-interview
or mailed survey to verify certain information on the
application and ensure the client fully understands
the product purchased.
Personal History Interview (PHI)—A routine
tele-interview will be scheduled to collect certain
underwriting information for all ages at amounts of
$1,000,001 through $5,000,000 inclusive. Where the
insured is the owner, the PHI (only one contact with
your customer) will include required compliance
questions. Where the owner is not the insured, a post-
issue written QA survey will be mailed to the owner.
tele-interview will be scheduled to collect certain
underwriting information for all ages at amounts of
$1,000,001 through $5,000,000 inclusive. Where the
insured is the owner, the PHI (only one contact with
your customer) will include required compliance
questions. Where the owner is not the insured, a post-
issue written QA survey will be mailed to the owner.
Investigative Consumer Report—All ages over
$5,000,000.
$5,000,000.
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