Thanks to your feedback we have enhanced iBIS with the introduction of a Life Pre-Screening Questionnaire to assist your agency when quoting Patriot “Premier” Life Series insurance products.

The new Pre-Screening Questionnaire feature is available in iBIS on the Life Information Screen for any Patriot “Premier” Life Series insurance policies which starts at a face amount of $100,000 or more.  The Premier Life Series policies are fully underwritten, which means full medical history and paramedical measurements are obtained from the applicant.

Currently, the agency is not required to ask medical questions so all applicable rates are displayed from Preferred Plus to Standard so the full range of possible premiums can be reviewed with your client.  However, we’ve received feedback that in some cases the agency would like to “pre-screen” the applicant for a better understanding of the final premium before it’s fully underwritten.  This pre-screening process is designed so that the agency and client expectations of what the final premium will be are more likely to be met.

The new Life Pre-Screening Questionnaire is available as a link on the Life Information Screen.  Use of the pre-screening link is optional but will provide your agency with a helpful tool to quickly determine the “best estimate” of the final premium.  As always, the final premium will be subject to full underwriting which often includes laboratory blood work and physical measurements.

The Life Pre-Screening Questionnaire can also be found in the Life Documents section of iBIS.   Simply hover over the Resources Tab and select the Life Documents option.   Various life documents will display and the Pre-Screening Questionnaire will appear in the middle of the list.

Also included with this enhancement is a new alert message that will appear on the Life Information Screen whenever a face amount of $100,000 or greater is requested.  This alert message will serve as a quick reminder that Patriot Premier Life Series policies are fully underwritten and final premium is dependent upon the outcome of the medical underwriting process.

These enhancements are a great example of your feedback making the Life application process better.  We appreciate your insights and hope you find these features to be helpful when quoting Life accounts with us.

For any questions regarding Patriot Life, please contact Rich Pomeroy at extension 2412 or send an email to rich.pomeroy@fmins.com.