The Insurance Application Process

PhysicianInsure is a proven team that is trusted by physicians nationwide to tailor insurance solutions and provide fast, efficient and easy delivery of insurance policies.

Step 1:  Request a Quote
The quote process is fast, easy and secure, and can be done from the comfort of your desktop. Simply choose which product(s) meet your goals and fill in the required fields. A quote will be sent to you via return email.

Step 2:  Ask Questions
The team at PhysicianInsure has the experience and expertise you need when it comes to answering tough questions and customizing insurance solutions to protect what matters to you. A PhysicianInsure professional can point you in the right direction or help you analyze your insurance needs to determine which coverages meet your goals.

Step 3: The Telephone Interview
Your New Business Case Manager, who will keep the entire process on track and moving forward, will call you to complete a telephone interview. This confidential 15-minute telephone interview will result in information to complete your application. When you receive the call, please have the following information available:

  • Driver’s license number
  • Social Security number
  • Physicians’ names and their phone numbers, addresses & exam dates
  • Medication names and dosages
  • Family medical history

For Disability Insurance only, please have the above items available, as well as:

  • Income history last two years
  • Current coverage information
  • Qualified plan(s) participation

Using the information from your phone interview, your New Business Case Manager will complete your application and send it to you along with an instruction letter and a postage-paid envelope.

Step 4: The Application
Please carefully review all forms, supply any additional information required, and sign and return the application to PhysicianInsure as soon as possible.
Remember: the process doesn’t begin until you return your signed application form and complete your paramedical exam (if required).  Also note, if no medical records are ordered, it takes about eight weeks to underwrite a policy. If medical records are ordered, it can take about double the time to complete the process.

Step 5: Paramedical Exam
Most policy applications require a paramedical exam. After your application interview, your New Business Case Manager will order a physical, blood or urine samples, and in some cases an EKG. The results will be strictly confidential.
When exams are ordered, a mobile nurse will contact you to schedule a convenient day and time to meet at your home or office. To get the best possible results, please do the following:

  • Fast for 8 hours before your exam.
  • Drink lots of water before your exam.
  • Morning is preferable for most testing.
  • Do not exercise the morning of your exam.
  • Schedule the appointment in a non-stressful place.
  • Avoid alcohol and non-prescription drugs 24 hours in advance.
  • Get a good night’s rest before your exam.

Remember that nothing starts until you complete your paramedical exam (if required) and return your signed application form.

Step 6: Lab Analysis and Underwriting
Underwriters will review your application and paramedical exam results, then will likely order medical records from your doctors. They will also consider aviation activities, dangerous hobbies or foreign travel. Throughout the underwriting process, your New Business Case Manager will strive to ensure that lab setbacks, conflicting information, delays in receiving medical records and other hold-ups are kept to an absolute minimum.

Step 7: Policy Delivery & Delivery Requirements
When your application is approved, your New Business Case Manager will notify you by email or phone and send your policy and delivery requirements to you.

Remember: your insurance plan is not in-force until you complete and return
the delivery requirements to PhysicianInsure. The policy is yours to keep in a safe place.

To check the status of your application, call us toll-free at 877-962-8737.