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The Insurance Compact Office is often asked if reflexive questions need to be filed for approval. Yes, they do. In the tip this week, the review team has some suggestions as to how to the reflexive document is organized.

The Insurance Compact reviewer is reviewing the language of the reflexive questions for consistency with the primary level main application questions. For example, reflexive questions about aviation activity cannot include a longer look-forward period than the two-year limit that would be part of the primary level aviation question under Section 4B(1)(c), Individual Life Insurance Application Standards.  On the reflexive questions document when including drill-down questions that pertain to the primary level main application questions, it is a best practice to list the primary level question directly followed by the list of additional drill-down questions that may be asked in response to that primary level question.   Using this type of layout for your reflexive document makes for an easier and more efficient review when those related questions are listed together.  If all drill-down questions for the entire application are provided in no particular order, it makes the review more time consuming.  Here is a best practice example:

Primary Level Question: In the last 10 years have you been diagnosed by a member of the medical profession for heart disease including high blood pressure and high cholesterol?

When were you diagnosed with this condition?

Have you had a heart attack?

Have you had heart surgery?

Have you been prescribed medication for this condition?

If you have any questions about the requirements for reflexive questions, or about filing with the Insurance Compact in general, please contact the Insurance Compact Office.