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HIQ - Sales Mastery Exam Questions and Complete Solutions Graded A+
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HIQ - Sales Mastery Exam Questions and Complete Solutions Graded A+
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HIQ - Sales MasteryExam Questions and
Complete Solutions
Graded A+
SBLI - Answer: A Rating
Established in 1907
Overview: SBLI has created special discounts exclusively for "Elite" Health IQ users (Tweaked V1 and
Tweaked V3) and Health IQ users who can provide electronic proof (Tweaked V2).
Tweaked V1: Elite Quiz Verification
Health IQ clients who qualify are eligible for stretch UW guidelines below, no discount on rate compared
to retail.
Tweaked V3: Elite Quiz Verification N.B Only available up to and including $3M Face Amount
Health IQ clients who qualify are eligible for stretch UW guidelines below and have a 5% discount on
rate compared to retail.
Tweaked V2: Elite Quiz Verification + Electronic Proof
Health IQ clients who qualify are eligible for stretch UW guidelines below and have a 10% discount on
rate compared to retail.
, Health IQ Advantage:
Any one of the listed criteria below will be "stretched" to allow the client to qualify for one rate class
better as long as they would have otherwise qualified.
Accelerated Underwriting (AU) policies only use 3 of the criteria for all intents and purposes since there
is no exam and therefore no Blood pressure or cholesterol readings.
If Non-Med. Client can take proactive action and call SBLI at (877) 799-2787
Condition vs. Price Ratings:
Survivor/Family History .- Fair
Recent Weight Loss - Good
Heart Attack - Good
Diabetes - Fair
Sleep Apnea - Fair
Former Tobacco Use - Fair
High Blood Pressure - Good
High Cholesterol - Excellent
Application Processing Time:
39 days
Uninsurable Conditions - Answer: Conditions which coverage is generally not available:
Dementia/Alzheimers
Current Cancer other than Basal or Squamous cell.
Kidney Dialysis
Transplant Recipient (other than some kidney transplants)
Disabled due to a mental condition (Non-VA Disability)
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