Underwriting The Assured Allies Underwriting process — conducted entirely online — determines your Underwriting Class which is your level of long-term care benefits based on your health and lifestyle, as well as physical and cognitive abilities. Powered by Assured Allies, this innovative underwriting process combines cutting-edge technology and clinical research for a fast, simple, live-video experience. It doesn’t require any medical records, has a 100% acceptance rate for qualified Bridge applicants, and provides a quick decision on your Underwriting Class: Preferred, Standard or Secure. 6 After you have completed a short list of health questions, the interview may be conducted immediately or scheduled for a later date. Taking an average of just 30 minutes to complete, the evaluation is conducted entirely online from the comfort of your home. All you need is a camera on your computer or tablet to allow visual contact between you and the interviewer.
• The interview will assess your cognitive and physical abilities. Your Ally will guide you and provide visuals to make the process easy. • The cognitive section will involve some recall exercises. • For the physical evaluation, you will demonstrate your ability to execute certain movements. • After the interview, your agent will be notified that your session has been completed and will be provided your Long-Term Care Underwriting Class. Remember, you will not be declined.
Underwriting Evaluation Process • After completing a short list of questions about your current health, your agent will contact Assured Allies to either begin the underwriting interview or schedule it for a time that is convenient for you. If the interview is scheduled for a later time, a confirmation email will provide a link to the live-video call and instructions on how to prepare for the session. You’ll also receive an appointment reminder email. • On the day of your evaluation, simply use the link provided by email to start the video session. To begin, you’ll be asked to read a short summary of the steps. • Your Ally, a live person who joins the call to provide support throughout the interview, will confirm your identity with a photo ID.
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ET-BRG-1100A (08-22)
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