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Engagement Process | For the life insurance producer

*** CALL 317-536-2603 FOR QUESTIONS ***

SMC offers two service levels medical underwriting advice to assist with your field underwriting needs.

  • 1. The “Express Referral Service” level includes SMC as your underwriting consultant answering targeted questions about the case and providing assistance with interpreting medical tests or interpreting their results, such as EKGs, stress tests, blood tests, etc. SMC provides the producer answers very quickly and economically.
  • 2. The “Comprehensive Referral Service“ includes a thorough medical underwriting case analysis and strategy, including expert advice; SMC will create a Medical Underwriting Summary that the producer may provide the life insurance carrier(s).

Please follow the steps below for these two services. In making a request to SMC, the client acknowledges that the terms of agreement have been read and that the client agrees to adhere to these terms.

Express Referral Service. SMC provides answers to targeted questions or will provide test interpretation. To request either, send SMC an email describing your needs. Be careful to omit identifying information such as names, social security, dates of birth.

Step 1: Email SMC your question and include the following:

1. Subject line: SMC Express referral request – Case question

2. Text box

a. Client’s age (do not provide any identifying information about your client)

b. Relevant medical information appropriate to your question

c. State your question

d. Your name and contact information

– OR, if you need a test or its result interpreted,

Step 1: Email Strategic Medical Consulting your test interpretation request. Include the following:

1. SMC Express referral request – test interpretation

2. Text box

a. Client’s age (do not provide any identifying information about your client)

b. The test being sent (EKG, stress test, pulmonary function study, etc.)

c. Relevant medical information appropriate to your request

d. Your name and contact information

3. Attachment – attached an image of the test in PDF format

Step 2: SMC will either answer the question and/or will email or call back to get any additional information to allow for a more useful answer. The anticipated consulting underwriting fee for most questions is in the $35 - $50 range.

Step 3: SMC will email the sender that the answer or test interpretation is completed and what the fee will be.

Step 4: The sender will pay through the PayPal account.

Step 5: After SMC receives notice of payment, SMC will email the answer or test interpretation to the sender by the end of the working day (5 PM Eastern time) if the payment was made before noon, otherwise the answer will be sent out the following morning (of a work day).


COMPREHENSIVE REFERRAL SERVICE. This service provides full medical underwriting case analysis and/or assisting in case underwriting process. A full description is described in the Service tab.

Step 1: Email Strategic Medical Consulting that you are requesting SMC to provide service for case analysis/case underwriting management. Include the following in your email:

1. Subject line: SMC referral – Comprehensive service

2. Text box

a. Client’s age (do not provide any identifying information about your client)

b. A brief description of what you would like SMC for you

d. Your name and contact information

Step 2: SMC will contact you to discuss your needs and the anticipated consulting underwriting fee. This will be based on an hourly fee.

Please download, print, and sign our HIPAA form.

The use of SMC’s services does not establish a doctor-patient relationship. I have read and understand the disclaimers, Terms of Use and procedures outlined.