We know quality service counts. That is why we have established a system where we can provide you with a preliminary assessment of your impaired risk cases before submission of a formal application.
The Simple, Easy, and Quick Quote - To receive a Quick Quote, a one-page synopsis of a client's medical or impairment history along with the client's name, age, annual income, resident state and amount of coverage requested should be faxed or emailed to Underwriting. You can download our DI Inquiry Form to use as a guide, print and fax it to 954-421-4185. Upon receipt, we will turn the case around within 24-48 hours and will provide you with a tentative decision on the specific product quoted.
Preliminary Inquiry - A preliminary inquiry generally provides more information upon which Underwriting can make an informed decision. In addition to the basic information required for the Quick Quote, medical records of the client or an APS report is needed. You will have to complete our DI Inquiry Form and fax it along with the APS reports for review. We will provide you with a tentative decision on the specific product to be quoted or proposed to the client within five (5) working days.
Regardless of the option selected above, the preliminary assessment is subject to change depending on the results of the final underwriting process. (MIBs, etc.) You should obtain a signed Fidelity Security Life Insurance Company's Authorization from your client before submitting other carriers' information to us.
Proposal Software is available for "Managing Brokers" (MGAs) only. Agents must contact their Managing Brokers or Risk for a formal proposal to be generated for presentation to clients. If the proposal is not submitted with the application, the agent must obtain the insured's signature on the proposal upon delivery of the policy. The executed proposal must be mailed to Risk along with any additional modal premiums due, if any.
Underwriting Tools
AMA's OnLine Doctor Finder - access this site to obtain current doctor's addresses
MedicineNet.com - one of the best sources of medical information on the Internet.
RxList.com - The Internet Drug Index.
ICD-9-CM Codes Search - for underwriters who need to look up APS references. e~MDs site is a complete reference guide of the entire list of official International Classification of Diseases disease descriptions and their codes, plus over 50,000 alternate descriptions.
DSM-IV Diagnosis Codes - Available by Classification at http://www.behavenet.com/capsules/disorders/dsm4classification.htm .
ECG Library - sample graphic displays of normal ranges for medical conditions.
You must have Adobe's Acrobat Reader software before you can view, download and print available forms. We have the following available for download: State Approval Lists for each product, application forms, and basic agent contracts. Brokers must contact our office to determine how we structure commissions for them. The different general agent contract levels are based on new business production and the number of in force cases.
You can obtain a free copy of Acrobat Reader at
Underwritten and Administered by Fidelity Security Life Insurance Company, Kansas City, MO