Declined Life Cases
Required Info:
- If the client submitted an application and it was formally declined:
- If able to offer a fully underwritten plan (term or perm), the carrier will require a new exam and OCI will need to retrieve medical records from a physician. These requirements will have to be done again even if the client already completed them.
- The expected turnaround time is 2-3 business days.
- Have a client-signed HIPPA Form.
- Email form to lifesales@ociservices.com (You will receive confirmation of OCI receiving the form within 24 hours.)
- OCI will send it to American Family Life Underwriting Department.
- American Family Life will send “cliff notes” of underwriting and the reason for the decline.
Underwriting
If the case was declined verbally with the underwriter due to COVID-19 underwriting restrictions and no formal application was previously submitted:
1. Declined due to Diabetes: Diabetes-Questionnaire.pdf
2. Declined for any other reasons: Health questionnaire form
3. Send these forms and the email from underwriting saying that you have permission from American Family to work with a brokerage to lifesales@ociservices.com.
4. Expected turn around time is 1-2 business days
Questions? Please contact the LD Team with American Family at extension 33100.
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