Everest Reinsurance Company

Everest Reinsurance Company

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Why Everest Medicare Supplement?

Everest is not your typical new Medicare Supplement entrant. Their focus is to enter the market as a long-term, viable, and fierce competitor.

  • Experienced Underwriters
  • No premium load based on weight
  • No underwriting premium loads
  • Easy to use E-app
  • Convert paper applications to E-app
  • Advances paid daily
  • Up to 15-month advance
  • Just-In-Time appointments

Everest Underwriting Highlights

  • Agents can talk directly with an Underwriter
  • No co-morbidity underwriting – one rate only
  • The standard Height/Weight is broad and encompasses weights that other carriers add premium loads to
  • Consideration Underwriting for select medical questions
    Recent underwriting studies reflect a notable percentage of declinations associated with the heart/stroke or musculoskeletal/arthritic questions. Everest will consider these conditions if no acute occurrences in the past 2 years and considered stable.
  • Accepts up to 100 units of insulin
    Most carriers accept up to a 50-unit maximum. Everest does apply a special Ht/Wt chart for diabetics, but no premium loads if approved

State Availability

Current as of 8-1-19

Signature Options

There are 3 a-app signature options available:

1. Digital Signature (select “Signature Pad” option on E-APP”)

  • Client signs the application with a mouse or finger pad

2. Click & Accept (select “Electronic Signature” option on E-APP”)

  • Once the agent completes the application process, the system will generate an email to the applicant, who enters website with credentials and follows the click accept process
  • This is the only E-APP signature option that mandates a valid email address as the system must send an email to the applicant with a link (and credentials) to login and complete the signature process.
  • IMPORTANT: If the agent selects this signature option, the system generates an email to the applicant after the agent helps “Create a UserID” for the applicant. The UserID is included in the system generated email. If the applicant does not receive the email, there are two options:
    1. Return to the E-APP and click the available “Re-Send Email” button; or,
    2. Direct the applicant to http://considermyapp.com/everest. Once accessed, the applicant enters the UserID to complete the signature process. The “Consider My App” link is also located on www.everestre.com/medicaresupplement

3. Wet Signature (select “Print Documents” option on E-APP)

  • Agent uses E-App system to complete the application process, but prints a copy for applicant to sign and submits via mail/upload/fax

Household Discount

The Everest Household Discount is 7%, but that can vary by state. Check out our Household Discount Cheat Sheet, which is currently available for Illinois, Indiana, Kentucky, Tennessee, and Arkansas.

Get the HHD Cheat Sheet

Rate Changes

View all rate changes by the month here.

E-Application Video Tutorial

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This product may be available in other states not listed. Please contact us to inquire.