Updated COVID Guidelines: 4 Reasons your Insurance Application may be delayed

We have many inquiries from clients about the protocol now in a post-COVID environment. Due to the influx of questions, we wanted to communicate a list of steps to help you identify what may be required of you before proceeding with an application; if you have been exposed or could have been.

Insurance carriers will be looking into your medical records to determine the necessary timeframes based upon the different scenarios listed below.

Please note that most carriers have a similar process and sets of guidelines. A general overview is below:

1) If a Client has symptoms of COVID and positive test for COVID; will need 30 days from cessation of symptoms.

2) If a Client has a positive test for COVID and is asymptomatic; will need 30 days from date of positive test.

3) If a Client has a negative test, but symptoms similar to COVID; will need 30 days from cessation of symptoms.

4) If a Client is not tested and/or has a negative test, but was asked to self-isolate; will need 30 days from date of last contact with positive individual.

Please note, depending on ages of Clients, these guidelines could vary as well as different rules may be applied to for the product you are attempting to purchase. Also, please note that Life Insurance guidelines can be different from Disability Insurance guidelines and we can help you troubleshoot if you have a specific situation that needs attention.

Please let us know how we may help or reach out if you have any questions! If we can help, give us a call at 713-966-3932 or schedule with us HERE.

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