As individuals consider their insurance needs and begin the process of applying for coverage there are some things to consider to avoid a potential declination. A good agent should be able to access your situation by asking the right questions. If they are in-depth with their fact finding they will be able to direct you to the correct company based on your health and financial situation.
Ideas to Consider:
1. Apply Informally - An agent can send all of the normal requirements but, let the company know an informal application and if it appears to be a decline the case can be pulled.
2. Quick Quote - An agent can send a quick blast out to multiple carriers with an overview of the case and the carriers will reply back with a possible outcome assuming everything comes in as outlined.
3. Apply at Multiple Companies Informally - For a client applying for a great deal of coverage an agent can send an informal application out to several carriers partly as way no to raise any red flags with other companies.
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