What To Expect During Underwriting - American Physical Society 2025

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The document provides a comprehensive guide for members of the APSIT participating society on the application process for life and disability insurance through New York Life Insurance Company. It outlines the steps involved, including completing an application, undergoing a telephone interview, providing medical information, and attending a blood chemistry profile and urinalysis. The document emphasizes the importance of preparing for each step to expedite the underwriting process and details what to expect at each stage, including timelines and necessary documentation.

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Begin by completing the application section. Ensure you answer all questions fully, provide details where required, and include your member number.
Prepare for the telephone interview by gathering necessary information about your medical history, medications, and family medical history. This will help expedite the process.
Schedule your blood chemistry profile and urinalysis appointment with an ExamOne representative. Make sure to follow pre-appointment guidelines for accurate results.
If additional medical information is requested, promptly arrange for your physician to complete any required documentation.
Once all requirements are submitted, await the underwriter's decision, which typically takes about 5 business days after receiving the last document.

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What should you not do during underwriting?

There are four key focuses to the underwriting process: credit, income, assets, and property. Credit: Underwriters will review your credit history to understand your past borrowing and payment history.

What are the steps in the underwriting process?

While your loan is processing, avoid taking on new debt or making other financial changes like closing credit cards or other accounts. Anything that affects your debt-to-income ratio may impact your mortgage approval.

What to avoid during underwriting?

Underwriters need math knowledge to ensure accuracy in determining the probability of losses and calculating appropriate premiums on an insurance policy.

What is done during the underwriting process?

But what is considered a big purchase during underwriting? A new car or boat would certainly raise red flags with lenders. Even furniture or appliances basically anything you might pay for in installments is best to delay until after you finalize your mortgage.