When you discuss insurance with your clients and prospects, it is imperative that you obtain information in regards to medical history and lifestyle.  These two attributes are key in pricing the coverage. 

For example, ask these questions:
• Any history of heart disease, cancer, blood pressure, cholesterol?  
• Are they taking any medications?
• Any adverse family history?
• Does the client fly, scuba dive, parachute?
• Alcohol, drug abuse, tobacco use?
• Foreign travel and driving record?
• Appropriate height/weight build?

Your friends at Dixon Wells can help you navigate the medical and lifestyle issues to ensure that your client gets the best product at the best price from the best carrier.