Frequently Asked Questions - Underwriting

Not always, however, if Part 2 is part of the application, it is recommended that you complete it. Zenith Marketing Group can jump start the process of ordering attending physicians' statements if you provide the doctor’s contact information when the application is submitted.

All forms are readily available at your fingertips on Zenith Marketing Group’s website. After logging onto our website, click on the 'Forms' link located in your Quick Links box.

Copies of each carrier’s Underwriting Requirements can be accessed on Zenith Marketing Group's website by clicking on the 'Underwriting' link in your Quick Links box and then selecting the 'Carrier Underwriting Guidelines' menu option.

To ensure the best exam result:

• Bring a list of all current medications including dosages, name, address, and phone number of the physician prescribing the medications.
• Fast for at least 8 hours prior to the exam. 
• Avoid foods that are high in salt. 
• Avoid alcohol at least 8 hours before the exam. 
• Avoid strenuous exercise for at least 12 hours prior to the exam. 
• Avoid tobacco for at least one hour prior to the exam.

Contact your Zenith Marketing Brokerage Manager or submit an Impaired Risk Questionnaire located in the Impaired Risk Solution Center on our website. Our First Look Trial application, located on the Underwriting homepage, can be very helpful as a fact finder too! Your Brokerage Manager will partner with Zenith's Vice President of Underwriting, Beth Zervas, or Brokerage Underwriter, Paula Halperin, on the really tough cases.