Field Underwriting Guidelines

GLOSSARY OF TERMS Definitions A QUICK CHECK is a brief exam completed by a paramedical examiner of physical measurements. It includes measurements such as height, weight, pulse and blood pressure. A PARAMEDICAL EXAM is completed by a paramedical examiner and includes a medical history interview and physical measurements. An M.D. EXAM is completed by a medical doctor and includes a medical history interview, physical measurements and a medical assessment. To request an exam be waived, see Underwriting, Attending Physician’s Statement. ORAL FLUIDS TEST (OFT) is completed by placing a swab briefly between the cheek and gum to test for nicotine, HIV and other findings of significance. FINANCIAL STATEMENTS are required for $2,000,000 face amounts and above. This may include a balance sheet, income statement, or tax return from the applicant or the applicant’s business. For more information on financial requirements, go to Financial Information. An EKG or EXERCISE EKG should be ordered as a 12-lead, resting and uninterpreted. CHEST X-RAY is taken with one view.