Ron Concklin of LRC and Associates

Agent's E-Update

Questions to ask that will allow for a more accurate quote...


Medical Condition : Depression

þ

Prospect's age

þ Onset Date
þ Rx. Name, daily dosage and length of time taken.  List any changes in meds or dosages in the last 12 months.
þ Psychotherapy:  How long, how often and is it ongoing?
þ

Any hospitalizations (due to the depression)?  If so how many and when?

þ

Any Electroconvulsive therapy (ECT)?  or shock treatments?  If so when?  How many?

þ Any chronic phobias?  If so, explain........

þ Is lifestyle active?

þ Are daily activities normal for age?

þ Is it a situational depression?  If you think so, explain the reason and length.


If you missed our last email about LTC Underwriting issues, click below to see the items posted there.

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