United Security Life Underwriting updates

After reviewing recent new business trends while also considering the potential ramifications of the Patient Protection and Affordable Care Act, USL&H has decided to implement a few changes to our current Major Medical underwriting practices.

• For Major Medical applicants over the age of 59, USL&H now requires a physical exam within the past two years. In fact, for faster Underwriting turnaround time, please include a copy of the applicant's most recent exam with the application.
• Beginning June 1st, USL&H will no longer be accepting child-only applications on our Short Term and Major Medical plans. The primary insured must be at least 19 years old to apply for coverage.
• Beginning June 1st, USL&H will no longer rider any conditions on dependents under the age of 19. All dependents under the age of 19 will either be issued standard, rated-up, or declined.

We believe these changes will allow USL&H to remain a viable and competitive option for your clients in need of a quality health insurance plan.

Our Underwriting Guidelines have been updated and are ready for download at our website, www.unitedsecuritylandh.com.