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