If your client's app is declined, the underwriter will contact you via email that will include the underwriting rationale. From there on you will have 14 days to take action (i.e. have a conversation with your client, prepare Ash/Crump forms, or send the declination). If the declination letter has not be sent to your client within the 14 days, our system will automatically send out the MassMutual declination letter to your client.
In declined cases or wanting to shop for coverage, we can facilitate moving the app data to a potentially better-fitting product:
- Shift app data to pursue a MM Vantage product (e.g. Vantage 10, Vantage 20, etc.)
- Shift app data to pursue an Ash Brokerage product
- Shift app data to pursue a Crump product
- Submit a request to email@example.com stating "My client was declined and I'd like to investigate options to move the app forward through traditional or Ash / Crump Brokerage."
- Include the insured name
- Include the app/policy # if you have it (you can find this information in your Account Center)
- Include the Authorization form if utilizing Ash or Crump. Note: Only one can be chosen.
- Ash form can be found here
- Crump form can be found here
Declines and Future/Subsequent Apps
A prior decline or table rating will not in any way preclude a client from future coverage; it just signals to the Underwriter that they need to understand the cause for rating/decline.
Not Qualifying for Express Path is Not a Decline
Click here for important information on express path (accelerated underwriting). This is a reminder that if your client does not qualify for accelerated underwriting, there is no adverse impact to the app process (or future apps). In this scenario the client is not being declined; rather they are being moved into the standard, exam based underwriting flow.