The expert underwriting choice

TeleCheck is Pathrec's new telephone underwriting service that streamlines insurance underwriting for insurers, financial advisors and applicants. TeleCheck is a complete end-to-end solution which includes:

• collection of medical data from applicants by telephone using qualified Pathrec nurses
• recording of the interview for checking by the applicant or audit by the insurer
• organisation of additional tests if needed
• collation and management of all the applicant's details in one place
• secure transfer of the applicant's file to the underwriter
• secure website access to the applicant's file for the underwriter
• direct data input to insurers' electronic underwriting system

Using Telecheck, applicants have the choice to be interviewed by telephone in the privacy of their homes or offices, by professional nurses who have years of practical and telephone experience.
As a result:

Insurers:

• have less need for and delays with PMARs (Personal Medical Attendant Reports)
• gain more accurate data in less time with fewer errors or repeat interviews
• gain more accurate risk profiles and more applications processed in less time

Financial advisors:

• don't have to ask embarrassing medical questions of their clients
• can track progress of their clients' applications on line
• can process more applications with less chance of clients changing their minds or insurers' rejection

Applicants:

• can ask questions and ensure they understand the answers they give
• are more relaxed and are less likely to hold back important information
• are less likely to need additional interviews to fulfill insurers' needs