Have you ever had a client rated or declined? Then you need to visit American Brokerage Services Clinical Underwriting Web site to learn how you can submit your rated or declined cases 24-hours a day, seven days a week.

Through our Clinical Underwriting Web site, you have hands-on access to an innovative concept in underwriting known as Clinical Underwriting. Developed in 1990 by U.S. Financial Life, Clinical Underwriting is an enlightened, informed approach to underwriting that evaluates your clients as individuals.

There are four key factors that are the basis of Clinical Underwriting:

1. Control – Is this health impairment controllable?
2. Compliance – Is the applicant following doctor’s orders and making life-style adjustments?
3. Family History – What is the applicant’s family health history?
4. Complete Medical Information - Does the applicant take advantage of good medical care and does USFL have all pertinent information?

USFL applies this common sense philosophy when underwriting each applicant. At American Brokerage Services, we make it easily accessible through our Clinical Underwriting Web site.

Visit our site at abs.usfli.com, no “www” is needed, to see how we can get you preliminary offers in 48-hours or less. The process is easy; simply click on your client’s condition, for example diabetes, to view the questionnaire. The questionnaire contains all the essential questions you need to ask your client.

With a quick phone call, you are able to easily complete the questionnaire. Then it’s as simple as clicking submit when you are finished. The prelim is then submitted directly to American Brokerage Services for review. Once we review it to see that all needed information is included, we submit it to U.S. Financial Life to be evaluated by the Clinical Underwriting process. All personal information and medical background and encrypted to ensure privacy for your clients making our site completely confidential.

Below are some of the benefits our Clinical Underwriting Web site has to offer:

• It’s simple, fast and accurate.
• Quick response time, 48-hour turnaround. Guaranteed!
• A quick call to the applicant provides needed background and builds a trusting relationship with your client.
• Convenience, work from the comfort of your office, on your time.

We are excited to provide this revolutionary way for our agents to have hands on access to the most powerful underwriting method in the industry. If you would like to learn more about our Clinical Underwriting Web site, call us at 1-888-227-3131, and let us be your Clinical Underwriting experts.

Clinical Underwriting is a registered trademark of U.S. Financial Life Insurance.