Frequently Asked Questions - Underwriting

No, but Zenith Marketing Group can jump start the process of the 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 under the Forms link located in your Quick Links box.

Copies of each carrier’s Underwriting Requirements are located under the Carrier Underwriting Guidelines link located in our Underwriting section on Zenith Marketing Group’s website.

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 under the Impaired Risk Solution Center section of Zenith Marketing Group’s website. Our First Look Trial application can be very helpful as a fact finder too! Your Brokerage Manager will partner with ZMG’s Vice President of Underwriting, Beth Zervas, or ZMG’s Brokerage Underwriter, Paula Halperin, on the really tough cases.