Question: How would you manage this situation? You have a client who sees a therapist for anxiety and is applying for a large amount of life insurance. The APS you receive from the therapist is a one-page document that cites a diagnostic code and no other useful information. You are concerned that underwriting will want more information given the size of the case, and you cannot afford a time delay. Suggestions?
SMC opinion: Get the client involved and inform him of the situation. Prior to the date of the insurance exam, consider having him write an "addendum" that he can attach to the insurance application. It could provide the details about his visits to the therapist. Some of what underwriting might want to know is why he is seeing a therapist, when he began seeing the therapist, and his treatment plan and results. The details your client provides may satisfy the carrier's need for more information about this issue.