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CV-19 Claims Another

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If you’ve ever bought a life insurance policy, you’ve probably (although not necessarily) had what we in the biz call a paramed exam. These usually consist of a nurse (or NP, etc) who takes your pulse, height, weight and samples of various bodily fluids, and then transmits these to the carrier. It’s not really a big deal, but on any given day thousands (hundreds of thousands?) of folks undergo this process.

One of the more successful such vendors is – was – EMSI. I say ‘was’ because, well:

COVID-19 has disrupoted families, communities and businesses … As a result, all comapny operatins ceased onFriday July 3, 2020.”


So what does this mean to the average person? Well, unless you were an employee or recently applied for life insurance, not much. If the latter, then expect to see underwriting delays while the carriers sort this out. I understand that at least one major company expects this to add at least two more weeks to the underwriting process.

Co-blogger Bob wonders if this may lead to more carriers adopting some kind of simplified issue process,and I think that may be correct: one of our carriers recently (well, within the past couple of years) introduced a product, in conjunction with its sister P&C company, to offer auto/home clients plans which require no application, exams or even paperwork. Pretty cool. So, it can be done, will be interesting to see if it will be.

[Hat Tip: Co-blogger Bob V and FoIB Brian D]

Original content copyright © InsureBlog


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