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Disability Insurance Processing Instructions

Disability applications must be Originals and must be mailed to the HBW home office along with Income Documentation, Paramed/Medical and the Illustration.

Original Application + Income Documentation + Illustration + Medical = $$$

Submitting Disability Business "4 Easy Steps"

1. Client Application (See Application Submission Rules below ) must be original signatures along with:


2. Medical Requirements/Parameds are required for submitting all Disability policies. Please submit the required medical information along with the client app. Need to schedule a Paramed? Click here


3. Income Documentation is required for submitting all Disability policies. The documentation required depends on your client's income source. (Non-owner, Owner of Sole Proprietorship, S Corp. Shareholder, Regular C Corp. Shareholder, Partnership, LLC or LLP.) DI carriers reserve the right to require additional financial information on any application regardless of amount if necessary to reach an underwriting decision.


4. An Illustration is required to submit all Disability policies.

Please package all the required forms and mail the originals to: HBW P.O. Box 2049 Simi Valley, CA 93062 Attn: Disability Division.

If you have additional questions on how to submit your disability business please email staci@hbwinc.com

Application Submission Rules

• Originals are required and must be mailed to the HBW home office
• Use black ink. NEVER USE WHITE OUT
• Corrections must be crossed out and initialed by the client
• Make sure ALL the dates are the same (Including Premium check)
• Signatures and Dates Expire in 30 calendar days. Mail originals promptly!
• Answer all the questions pertaining to your client and their coverage
• Make sure the financials match the income documentation provided
• Income documentation must be submitted with the application
• Make sure the Illustration matches the paperwork (Elimination Period, Monthly Benefit including riders, Benefit Period…)
• Illustration must be submitted with the application
• Medical/Parameds are required for most disability policies. Disability Carriers will accept Life Insurance Exams, up to 6 months, with a cover letter. Additional medical may be requested by the carriers to complete the underwriting process. Disability business can be submitted without the medical but must be ordered and submitted in a timely manner.

For additional questions on “How to process disability business through HBW” or for information on the “Pre-Scrubbing Service” available, please contact Staci Batchelor staci@hbwinc.com (800) 473-3856 x 134.