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The Winnick Insurance Agency
The Winnick Insurance Agency
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Pre-Underwriting

If you would like a quotation, please download our Underwriting Screening Worksheet below.  You can print if off and either email or fax it to us.   

Underwriting Screening Worksheet Rev 2024 (pdf)Download

Helpful Hints

If an exam or lab work is required, here are some suggested Helpful Hints for good results.

The food you consume and your activities before a para-medical exam can influence the results and your underwriting category.


For optimal outcomes, adhere to these pre-exam recommendations:


  • Schedule your exam for early morning.
  • Fast for 10 hours, despite any advice from the appointment scheduler.
  • Ensure a restful night's sleep.
  • Refrain from intense physical activity, including jogging, for 24 hours.
  • Abstain from alcohol for 24 hours.
  • Avoid all tobacco and nicotine substitute products for at least 24 hours prior to the exam.
  • Please hold off on your morning caffeine until after the exam.
  • Drink a glass of water an hour before providing a urine sample.
  • Arrive a bit early to the exam, feeling relaxed.
  • Before being weighed, remove shoes, cell phone, wallet, keys, etc. Remember to stand erect for height measurement.
  • Carry a list of your current physicians, their contact details, and all prescribed medications with dosages.
  • Should you feel unwell, consider rescheduling your exam.


If you have any questions, our office is always ready to assist.

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