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20	Error Stray end tag head. On line 102, column 7 et="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"> <meta name="author" content="Ontellus"> <meta name="description" content="Ontellus has expansive knowledge &amp; experience in obtaining medical records to support life insurance claims."> <meta name="generator" content="HubSpot"> <title>Life Insurance Claims Records Retrieval \| Ontellus</title> <link rel="shortcut icon" href="https://www.ontellus.com/hubfs/Ontellus_logo_favicon-01.png"> <meta name="viewport" content="width=device-width, initial-scale=1"> <script src="/hs/hsstatic/jquery-libs/static-1.4/jquery/jquery-1.11.2.js"></script> <script src="/hs/hsstatic/jquery-libs/static-1.4/jquery-migrate/jquery-migrate-1.2.1.js"></script> <script>hsjQuery = window['jQuery'];</script> <meta property="og:description" content="Ontellus has expansive knowledge &amp; experience in obtaining medical records to support life insurance claims."> <meta property="og:title" content="Life Insurance Claims Records Retrieval \| Ontellus"> <meta name="twitter:description" content="Ontellus has expansive knowledge &amp; experience in obtaining medical records to support life insurance claims."> <meta name="twitter:title" content="Life Insurance Claims Records Retrieval \| Ontellus"> <style> a.cta_button{-moz-box-sizing:content-box !important;-webkit-box-sizing:content-box !important;box-sizing:content-box !important;vertical-align:middle}.hs-breadcrumb-menu{list-style-type:none;margin:0px 0px 0px 0px;padding:0px 0px 0px 0px}.hs-breadcrumb-menu-item{float:left;padding:10px 0px 10px 10px}.hs-breadcrumb-menu-divider:before{content:'&rsaquo;';padding-left:10px}.hs-featured-image-link{border:0}.hs-featured-image{float:right;margin:0 0 20px 20px;max-width:50%}@media (max-width: 568px){.hs-featured-image{float:none;margin:0;width:100%;max-width:100%}}.hs-screen-reader-text{clip:rect(1px, 1px, 1px, 1px);height:1px;overflow:hidden;position:absolute !important;width:1px} </style> <link rel="stylesheet" href="https://www.ontellus.com/hs-fs/hub/3070728/hub_generated/module_assets/11013819896/1581457861631/module_11013819896_Global_Header.min.css"> <!-- Added by GoogleAnalytics integration --> <script> var _hsp = window._hsp = window._hsp \|\| []; _hsp.push(['addPrivacyConsentListener', function(consent) { if (consent.allowed \|\| (consent.categories && consent.categories.analytics)) { (function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]\|\|function(){ (i[r].q=i[r].q\|\|[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o), m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m) })(window,document,'script','//www.google-analytics.com/analytics.js','ga'); ga('create','UA-99726667-1','auto'); ga('send','pageview'); }}]); </script> <!-- /Added by GoogleAnalytics integration --> <link rel="canonical" href="https://www.ontellus.com/life-insurance"> <!-- Google Tag Manager --> <script>(function(w,d,s,l,i){w[l]=w[l]\|\|[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-TZ3Z68T');</script> <!-- End Google Tag Manager --> <!-- BING --> <meta name="msvalidate.01" content="82915E87DF1B19E0F3D5EBA144FFA63D"> <!-- End BING --> <script>(function(w,d,t,r,u){var f,n,i;w[u]=w[u]\|\|[],f=function(){var o={ti:"25076679"};o.q=w[u],w[u]=new UET(o),w[u].push("pageLoad")},n=d.createElement(t),n.src=r,n.async=1,n.onload=n.onreadystatechange=function(){var s=this.readyState;s&&s!=="loaded"&&s!=="complete"\|\|(f(),n.onload=n.onreadystatechange=null)},i=d.getElementsByTagName(t)[0],i.parentNode.insertBefore(n,i)})(window,document,"script","//bat.bing.com/bat.js","uetq");</script> <meta property="og:image" content="https://www.ontellus.com/hubfs/Life%20Insurance%20Records%20Retrieval.jpg"> <meta property="og:image:width" content="1200"> <meta property="og:image:height" content="627"> <meta property="og:image:alt" content="life insurance claims records retrieval"> <meta name="twitter:image" content="https://www.ontellus.com/hubfs/Life%20Insurance%20Records%20Retrieval.jpg"> <meta name="twitter:image:alt" content="life insurance claims records retrieval"> <meta property="og:url" content="https://www.ontellus.com/life-insurance"> <meta name="twitter:card" content="summary_large_image"> <meta http-equiv="content-language" content="en-us"> <link rel="stylesheet" href="//cdn2.hubspot.net/hub/7052064/hub_generated/template_assets/1725370519653/hubspot/hubspot_default/shared/responsive/layout.min.css"> <link rel="stylesheet" href="https://www.ontellus.com/hs-fs/hub/3070728/hub_generated/template_assets/5379802128/1581388059431/Coded_files/Custom/page/Ontellus_Version_2/normalize.min.css"> <link rel="stylesheet" href="https://www.ontellus.com/hs-fs/hub/3070728/hub_generated/template_assets/5327783662/1620844617318/Coded_files/Custom/page/Ontellus_Version_2/ontellus.css"> </head> <body
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</script></span><!-- end HubSpot Call-to-Action Code --></span> <a id="search-btn" class="hide-on-mobile" href="JavaScript:Void(0)"><i class="fa fa-search" aria-hidden="true"></i></a> <div class="hs-search-field search-field-top"> <div class="hs-search-field__bar"> <form action="/search-results"> <input type="text" class="hs-search-field__input" name="term" autofocus autocomplete="off" aria-label="Search" placeholder="Search Ontellus..."> <a id="close-btn" href="JavaScript:Void(0)"><i class="fa fa-times" aria-hidden="true"></i></a> </form> </div> <ul class="hs-search-field__suggestions"></ul> </div> </div> </div> <div id="header__bot"> <div class="page-center80P header-bot-flex"> <a href="https://www.ontellus.com/"><img id="logo" src="https://www.ontellus.com/hubfs/Ontellus%20Assets%20Version%202/Logos/ontellus_logo_f.png" alt="Ontellus Logo"></a> <div class="custom-menu-primary main-menu"> <span id="hs_cos_wrapper_module_15627147580431157_main-menu" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_menu" style="" data-hs-cos-general-type="widget" data-hs-cos-type="menu"><div id="hs_menu_wrapper_module_15627147580431157_main-menu" class="hs-menu-wrapper active-branch flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="Ontellus Website Version 2" data-menu-id="5231434026" aria-label="Navigation Menu"> <ul role="menu" class="active-branch"> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children" role="none"><a href="https://www.ontellus.com/records-retrieval" aria-haspopup="true" aria-expanded="false" role="menuitem">Records Retrieval Tools</a> <ul role="menu" class="hs-menu-children-wrapper"> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/records-retrieval/my.ontellus" role="menuitem">Record Retrieval</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/records-retrieval/smartchron" role="menuitem">Record Chronology</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/records-retrieval/smartorg-record-organization" role="menuitem">Record Indexing</a></li> <li class="hs-menu-item hs-menu-depth-2 hs-item-has-children" role="none"><a href="https://www.ontellus.com/claims-evaluation-tools" role="menuitem">Summary &amp; Analysis</a> <ul role="menu" class="hs-menu-children-wrapper"> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/billing-summary" role="menuitem">Billing Summaries</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/record-summary" role="menuitem">Record Summary</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/claim-evaluation-report" role="menuitem">Claim Evaluation</a></li> </ul></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/medical-canvassing" role="menuitem">Medical Canvassing</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/records-retrieval/dicom-viewer" role="menuitem">DICOM Viewer</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/records-retrieval/secure-share-document-sharing" role="menuitem">Secure Share</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/records-retrieval/addontellus" role="menuitem">Third-Party Integrations</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/foreign-subpoena-preparation" role="menuitem">Foreign Subpoenas</a></li> </ul></li> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children" role="none"><a href="https://www.ontellus.com/why-choose-ontellus" aria-haspopup="true" aria-expanded="false" role="menuitem">Why Choose Ontellus</a> <ul role="menu" class="hs-menu-children-wrapper"> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/expertise" role="menuitem">Expertise</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/data-security" role="menuitem">Data Security</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/smartpartners/guidewire" role="menuitem">Guidewire Integration</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/smartpartners/duck-creek" role="menuitem">Duck Creek Partnership</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/document-management-tools" role="menuitem">Document Management Tools</a></li> </ul></li> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children active-branch" role="none"><a href="https://www.ontellus.com/who-we-serve" aria-haspopup="true" aria-expanded="false" role="menuitem">Who We Serve</a> <ul role="menu" class="hs-menu-children-wrapper active-branch"> <li class="hs-menu-item hs-menu-depth-2 hs-item-has-children active-branch" role="none"><a href="https://www.ontellus.com/claims" role="menuitem">Insurance</a> <ul role="menu" class="hs-menu-children-wrapper active-branch"> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/claims/workers-compensation-records" role="menuitem">Workers Compensation</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/claims/vehicle-bodily-injury-records" role="menuitem">Vehicle &amp; 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Analysis</a> <ul role="menu" class="hs-menu-children-wrapper"> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/billing-summary" role="menuitem">Billing Summaries</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/record-summary" role="menuitem">Record Summary</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/claim-evaluation-report" role="menuitem">Claim Evaluation</a></li> </ul></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/medical-canvassing" role="menuitem">Medical Canvassing</a></li> </ul></li> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children" role="none"><a href="javascript:;" aria-haspopup="true" aria-expanded="false" role="menuitem">Why Choose Ontellus</a> <ul role="menu" class="hs-menu-children-wrapper"> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/expertise" role="menuitem">Expertise</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/data-security" role="menuitem">Data Security</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/smartpartners/guidewire" role="menuitem">Guidewire Integration</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/smartpartners/duck-creek" role="menuitem">Duck Creek Partnership</a></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/document-management-tools" role="menuitem">Document Management Tools</a></li> </ul></li> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children active-branch" role="none"><a href="javascript:;" aria-haspopup="true" aria-expanded="false" role="menuitem">Who We Serve</a> <ul role="menu" class="hs-menu-children-wrapper active-branch"> <li class="hs-menu-item hs-menu-depth-2 hs-item-has-children active-branch" role="none"><a href="javascript:;" role="menuitem">Insurance</a> <ul role="menu" class="hs-menu-children-wrapper active-branch"> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/claims" role="menuitem">Claims</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/claims/workers-compensation-records" role="menuitem">Workers Compensation</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/claims/vehicle-bodily-injury-records" role="menuitem">Vehicle &amp; 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Positions</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/culture-community" role="menuitem">Culture &amp; Community</a></li> <li class="hs-menu-item hs-menu-depth-3" role="none"><a href="https://www.ontellus.com/benefits" role="menuitem">Benefits</a></li> </ul></li> <li class="hs-menu-item hs-menu-depth-2" role="none"><a href="https://www.ontellus.com/locations" role="menuitem">Locations</a></li> </ul></li> <li class="hs-menu-item hs-menu-depth-1" role="none"><a href="https://www.ontellus.com/contact-us" role="menuitem">Contact Us</a></li> </ul> </div></span> </div> <div id="mobile-nav__ctas"> <div class="mobile-nav__cta-btn first"> <span id="hs_cos_wrapper_module_15627147580431157_login-cta" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_cta" style="" data-hs-cos-general-type="widget" data-hs-cos-type="cta"><!--Hu
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On line 632, column 350 =&quot;ENROLL&quot;&gt;&lt;/a&gt;&lt;/span&gt;&lt;script charset=&quot;utf-8&quot; src=&quot;/hs/cta/cta/current.js&quot;&gt;&lt;/script&gt;&lt;script type=&quot;text/javascript&quot;&gt; hbspt.cta._relativeUrls=true;hbspt.cta.load(3070728, &#039;e40b620d-5f80-4258-a384-a739e7d9db69&#039;, {&quot;useNewLoader&quot;:&quot;true&quot;,&quot;region&quot;:&quot;na1&quot;}); &lt;/script&gt;&lt;/span&gt;&lt;!-- end HubSpot Call-to-Action Code --&gt;&lt;/span&gt; &lt;/div&gt; &lt;/div&gt; &lt;div id=&quot;mobile-nav__contact&quot;&gt; &lt;div&gt; &lt;h5&gt;SUPPORT&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;mailto:[email protected]&quot; target=&quot;_top&quot;&gt;[email protected]&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;div&gt; &lt;h5&gt;SALES&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;mailto:sa[email protected]&quot; target=&quot;_top&quot;&gt;sa[email protected]&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;div&gt; &lt;h5&gt;CALL&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;tel:8004679181&quot; rel=&quot; noopener&quot;&gt;(800) 467-9181&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;/div&gt; &lt;div id=&quot;mobile-nav__social&quot;&gt; &lt;h5&gt;FOLLOW US:&lt;/h5&gt; &lt;div id=&quot;mobile-nav__social-icons&quot;&gt; &lt;a href=&quot;https://www.linkedin.com/company/ontellus/&quot;&gt;&lt;i class=&quot;fab fa-linkedin-square&quot;&gt;&lt;/i&gt;&lt;/a&gt; &lt;a href=&quot;https://twitter.com/OntellusInsight&quot;&gt;&lt;i class=&quot;fab fa-twitter-square&quot;&gt;&lt;/i&gt;&lt;/a&gt; &lt;/div&gt; &lt;/div&gt; &lt;/div&gt;&lt;/header&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end header --&gt; &lt;/div&gt;&lt;!--end header wrapper --&gt; &lt;div class=&quot;body-container-wrapper&quot;&gt; &lt;div class=&quot;body-container container-fluid&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell banner-top&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-linked_image banner-top-image&quot; style=&quot;&quot; data-widget-type=&quot;linked_image&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_150481147826346&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;img src=&quot;https://www.ontellus.com/hubfs/Life%20Insurance%20Records%20Retrieval.jpg&quot; class=&quot;hs-image-widget &quot; style=&quot;max-width: 100%; height: auto;&quot; alt=&quot;Life Insurance Records Retrieval&quot; title=&quot;Life Insurance Records Retrieval&quot;&gt;&lt;/span&gt;&lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget &quot; style=&quot;padding:2%;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_15629111309212178&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-space&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span class=&quot;hs-horizontal-spacer&quot;&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-rich_text container2PU banner-black-text&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_14059450344486811&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h1&gt;Life Insurance&lt;/h1&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-widget_container &quot; style=&quot;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15629107368161874&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text &quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1506957853034308&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;p&gt;Even though many companies have moved away from traditional evidence models, underwriting is still needed. Ontellus adds value to the underwriting process by gathering and managing records such as physician statements and paramedical examinations. Certain Long Term Care and Disability Income products often require medical records for claims processing as well.&lt;/p&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-rich_text titlevwfont0&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15603695357987748&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell content-wrapper page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text service-box title-border&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_150643642404426&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h2 style=&quot;text-align: center;&quot;&gt;Life Insurance Underwriting &amp;amp; Claims&lt;/h2&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell Container2PU&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; 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data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;img src=&quot;https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=150&amp;amp;height=168&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected]&quot; class=&quot;hs-image-widget &quot; width=&quot;150&quot; height=&quot;168&quot; style=&quot;max-width: 100%; height: auto;&quot; alt=&quot;Life Insurance Claims Records Retrieval@4x&quot; title=&quot;Life Insurance Claims Records Retrieval@4x&quot; srcset=&quot;https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=75&amp;amp;height=84&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 75w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=150&amp;amp;height=168&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 150w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=225&amp;amp;height=252&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 225w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=300&amp;amp;height=336&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 300w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=375&amp;amp;height=420&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 375w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=450&amp;amp;height=504&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 450w&quot; sizes=&quot;(max-width: 150px) 100vw, 150px&quot;&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-6 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-global_group &quot; style=&quot;&quot; data-widget-type=&quot;global_group&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;&quot; data-global-widget-path=&quot;generated_global_groups/11259952465.html&quot;&gt;&lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell content-wrapper page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text hide-on-mobile&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1505946803996434&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h3&gt;Claims Management&lt;/h3&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget hide-on-mobile&quot; style=&quot;padding-bottom:4%;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_15631324763932123&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-simple_menu&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span id=&quot;hs_cos_wrapper_module_15631324763932123_&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_simple_menu&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;simple_menu&quot;&gt;&lt;div id=&quot;hs_menu_wrapper_module_15631324763932123_&quot; class=&quot;hs-menu-wrapper active-branch flyouts hs-menu-flow-vertical&quot; role=&quot;navigation&quot; data-sitemap-name=&quot;&quot; data-menu-id=&quot;&quot; aria-label=&quot;Navigation Menu&quot;&gt; &lt;ul role=&quot;menu&quot; class=&quot;active-branch&quot;&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/workers-compensation-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Workers Comp Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/vehicle-bodily-injury-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Vehicle / Bodily Injury Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/general-liability-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;General Liability Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/medical-malpractice-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Medical Malpractice Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1 active active-branch&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/life-insurance&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Life Insurance Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/life-insurance/mass-tort-claims&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Mass Tort Claims&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;/div&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-7 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-widget_container &quot; style=&quot;padding-top:4%;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15629158765512494&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;div id=&quot;hs_cos_wrapper_widget_1563464699620&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_custom_widget&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;custom_widget&quot;&gt;&lt;div id=&quot;well&quot;&gt; &lt;div class=&quot;plain medium&quot;&gt; &lt;p&gt;&lt;span&gt;Did You Know?&lt;br&gt;&lt;/span&gt;&lt;/p&gt; &lt;h3&gt;&lt;span&gt;Direct Billing For Medical Records Retrieval&lt;/span&gt;&lt;/h3&gt; &lt;p&gt;&lt;span&gt;Insurance carriers, Self-Insured&rsquo;s and Municipalities often establish direct billing relationships with Ontellus and instruct their attorneys to utilize Ontellus for records retrieval.&lt;/span&gt;&lt;/p&gt; &lt;/div&gt; &lt;/div&gt; &lt;/div&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span9 widget-span widget-type-cell service-box3 SolutionText&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;3&quot; data-w=&quot;9&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-8 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget Container2PU&quot; style=&quot;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_1562893621727538&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-rich_text widget-type-rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span id=&quot;hs_cos_wrapper_module_1562893621727538_&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;p&gt;Fully underwritten products and Long Term Care and Disability Income products drive medical evidence in the Life space.&amp;nbsp; While many companies have moved away from the evidence models as much as they can, underwriting is still needed for certain products.&lt;/p&gt; &lt;p&gt;For applicants over the age of 50, or for large face amount policies, it generally takes 5 or more weeks to issue a fully underwritten life policy. Of course issues such as integrated eApp or UW delays, can impact that policy time.&lt;/p&gt; &lt;p&gt;Alternative underwriting models often complement records retrieval such as:&lt;/p&gt; &lt;p style=&quot;line-height: 1.5;&quot;&gt;&lt;i class=&quot;caret-right-orange&quot;&gt;&ldquo;Mortality Score&rdquo; based on existing data (predictive analytics without needing medical exam or records) &lt;/i&gt;&lt;/p&gt; &lt;p style=&quot;line-height: 1.5;&quot;&gt;&lt;i class=&quot;caret-right-orange&quot;&gt;Pharma Access (prescription drug access)&lt;/i&gt;&lt;/p&gt; &lt;p&gt;Attending physician statements and paramedical examinations are mostly needed in underwriting.&lt;/p&gt; &lt;p&gt;For Long Term Care and Disability Income, they follow similar paths to that of Worker&rsquo;s Compensation and substantial fraud can occur in the adjudication of these claims.&amp;nbsp;&lt;/p&gt; &lt;p&gt;As in other personal injury claims, medical record review is an important part of long term care and disability income litigation. The injury must be well-documented in the claimant&rsquo;s medical records.&lt;/p&gt; &lt;p&gt;Once the treatment for the injury is completed, an independent medical examiner (IME) will examine the claimant to determine whether there is any permanent partial disability due to the injury. The medical examiner examines and interviews the claimant and reviews the relevant medical records.&lt;/p&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-9 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-widget_container &quot; style=&quot;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1563136948376233&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end body --&gt; &lt;/div&gt;&lt;!--end body wrapper --&gt; &lt;div class=&quot;footer-container-wrapper&quot;&gt; &lt;div class=&quot;footer-container container-fluid&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-global_group &quot; style=&quot;&quot; data-widget-type=&quot;global_group&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;&quot; data-global-widget-path=&quot;generated_global_groups/5788725918.html&quot;&gt;&lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell Container2PU footer-logo-box&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span4 widget-span widget-type-cell footer-images-seal text-center&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;4&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text &quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1507233993650209&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h5&gt;PREMIUM PARTNER SINCE 2015&lt;/h5&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;a href=&quot;#&quot;&gt; &lt;/a&gt;&lt;div class=&quot;span12 widget-span widget-type-linked_image &quot; style=&quot;&quot; data-widget-type=&quot;linked_image&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt;&lt;a href=&quot;#&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1507234002718213&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;a href=&quot;https://www.mplassociation.org/&quot; target=&quot;_blank&quot; id=&quot;hs-link-module_1507234002718213&quot; rel=&quot;noopener&quot; style=&quot;border-width:0px;border:0px;&quot;&gt;&lt;img s
39	Error End tag a violates nesting rules. On line 632, column 350 =&quot;ENROLL&quot;&gt;&lt;/a&gt;&lt;/span&gt;&lt;script charset=&quot;utf-8&quot; src=&quot;/hs/cta/cta/current.js&quot;&gt;&lt;/script&gt;&lt;script type=&quot;text/javascript&quot;&gt; hbspt.cta._relativeUrls=true;hbspt.cta.load(3070728, &#039;e40b620d-5f80-4258-a384-a739e7d9db69&#039;, {&quot;useNewLoader&quot;:&quot;true&quot;,&quot;region&quot;:&quot;na1&quot;}); &lt;/script&gt;&lt;/span&gt;&lt;!-- end HubSpot Call-to-Action Code --&gt;&lt;/span&gt; &lt;/div&gt; &lt;/div&gt; &lt;div id=&quot;mobile-nav__contact&quot;&gt; &lt;div&gt; &lt;h5&gt;SUPPORT&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;mailto:[email protected]&quot; target=&quot;_top&quot;&gt;[email protected]&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;div&gt; &lt;h5&gt;SALES&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;mailto:sa[email protected]&quot; target=&quot;_top&quot;&gt;sa[email protected]&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;div&gt; &lt;h5&gt;CALL&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;tel:8004679181&quot; rel=&quot; noopener&quot;&gt;(800) 467-9181&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;/div&gt; &lt;div id=&quot;mobile-nav__social&quot;&gt; &lt;h5&gt;FOLLOW US:&lt;/h5&gt; &lt;div id=&quot;mobile-nav__social-icons&quot;&gt; &lt;a href=&quot;https://www.linkedin.com/company/ontellus/&quot;&gt;&lt;i class=&quot;fab fa-linkedin-square&quot;&gt;&lt;/i&gt;&lt;/a&gt; &lt;a href=&quot;https://twitter.com/OntellusInsight&quot;&gt;&lt;i class=&quot;fab fa-twitter-square&quot;&gt;&lt;/i&gt;&lt;/a&gt; &lt;/div&gt; &lt;/div&gt; &lt;/div&gt;&lt;/header&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end header --&gt; &lt;/div&gt;&lt;!--end header wrapper --&gt; &lt;div class=&quot;body-container-wrapper&quot;&gt; &lt;div class=&quot;body-container container-fluid&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell banner-top&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-linked_image banner-top-image&quot; style=&quot;&quot; data-widget-type=&quot;linked_image&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_150481147826346&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;img src=&quot;https://www.ontellus.com/hubfs/Life%20Insurance%20Records%20Retrieval.jpg&quot; class=&quot;hs-image-widget &quot; style=&quot;max-width: 100%; height: auto;&quot; alt=&quot;Life Insurance Records Retrieval&quot; title=&quot;Life Insurance Records Retrieval&quot;&gt;&lt;/span&gt;&lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget &quot; style=&quot;padding:2%;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_15629111309212178&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-space&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span class=&quot;hs-horizontal-spacer&quot;&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-rich_text container2PU banner-black-text&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_14059450344486811&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h1&gt;Life Insurance&lt;/h1&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-widget_container &quot; style=&quot;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15629107368161874&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text &quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1506957853034308&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;p&gt;Even though many companies have moved away from traditional evidence models, underwriting is still needed. Ontellus adds value to the underwriting process by gathering and managing records such as physician statements and paramedical examinations. Certain Long Term Care and Disability Income products often require medical records for claims processing as well.&lt;/p&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-rich_text titlevwfont0&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15603695357987748&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell content-wrapper page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text service-box title-border&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_150643642404426&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h2 style=&quot;text-align: center;&quot;&gt;Life Insurance Underwriting &amp;amp; Claims&lt;/h2&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell Container2PU&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span3 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;3&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget text-center align-center&quot; style=&quot;padding-bottom:50px;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_1562893943529556&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-linked_image widget-type-linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1562893943529556_&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;img src=&quot;https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=150&amp;amp;height=168&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected]&quot; class=&quot;hs-image-widget &quot; width=&quot;150&quot; height=&quot;168&quot; style=&quot;max-width: 100%; height: auto;&quot; alt=&quot;Life Insurance Claims Records Retrieval@4x&quot; title=&quot;Life Insurance Claims Records Retrieval@4x&quot; srcset=&quot;https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=75&amp;amp;height=84&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 75w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=150&amp;amp;height=168&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 150w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=225&amp;amp;height=252&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 225w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=300&amp;amp;height=336&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 300w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=375&amp;amp;height=420&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 375w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=450&amp;amp;height=504&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 450w&quot; sizes=&quot;(max-width: 150px) 100vw, 150px&quot;&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-6 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-global_group &quot; style=&quot;&quot; data-widget-type=&quot;global_group&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;&quot; data-global-widget-path=&quot;generated_global_groups/11259952465.html&quot;&gt;&lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell content-wrapper page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text hide-on-mobile&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1505946803996434&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h3&gt;Claims Management&lt;/h3&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget hide-on-mobile&quot; style=&quot;padding-bottom:4%;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_15631324763932123&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-simple_menu&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span id=&quot;hs_cos_wrapper_module_15631324763932123_&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_simple_menu&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;simple_menu&quot;&gt;&lt;div id=&quot;hs_menu_wrapper_module_15631324763932123_&quot; class=&quot;hs-menu-wrapper active-branch flyouts hs-menu-flow-vertical&quot; role=&quot;navigation&quot; data-sitemap-name=&quot;&quot; data-menu-id=&quot;&quot; aria-label=&quot;Navigation Menu&quot;&gt; &lt;ul role=&quot;menu&quot; class=&quot;active-branch&quot;&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/workers-compensation-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Workers Comp Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/vehicle-bodily-injury-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Vehicle / Bodily Injury Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/general-liability-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;General Liability Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/medical-malpractice-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Medical Malpractice Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1 active active-branch&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/life-insurance&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Life Insurance Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/life-insurance/mass-tort-claims&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Mass Tort Claims&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;/div&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-7 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-widget_container &quot; style=&quot;padding-top:4%;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15629158765512494&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;div id=&quot;hs_cos_wrapper_widget_1563464699620&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_custom_widget&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;custom_widget&quot;&gt;&lt;div id=&quot;well&quot;&gt; &lt;div class=&quot;plain medium&quot;&gt; &lt;p&gt;&lt;span&gt;Did You Know?&lt;br&gt;&lt;/span&gt;&lt;/p&gt; &lt;h3&gt;&lt;span&gt;Direct Billing For Medical Records Retrieval&lt;/span&gt;&lt;/h3&gt; &lt;p&gt;&lt;span&gt;Insurance carriers, Self-Insured&rsquo;s and Municipalities often establish direct billing relationships with Ontellus and instruct their attorneys to utilize Ontellus for records retrieval.&lt;/span&gt;&lt;/p&gt; &lt;/div&gt; &lt;/div&gt; &lt;/div&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span9 widget-span widget-type-cell service-box3 SolutionText&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;3&quot; data-w=&quot;9&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-8 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget Container2PU&quot; style=&quot;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_1562893621727538&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-rich_text widget-type-rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span id=&quot;hs_cos_wrapper_module_1562893621727538_&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;p&gt;Fully underwritten products and Long Term Care and Disability Income products drive medical evidence in the Life space.&amp;nbsp; While many companies have moved away from the evidence models as much as they can, underwriting is still needed for certain products.&lt;/p&gt; &lt;p&gt;For applicants over the age of 50, or for large face amount policies, it generally takes 5 or more weeks to issue a fully underwritten life policy. Of course issues such as integrated eApp or UW delays, can impact that policy time.&lt;/p&gt; &lt;p&gt;Alternative underwriting models often complement records retrieval such as:&lt;/p&gt; &lt;p style=&quot;line-height: 1.5;&quot;&gt;&lt;i class=&quot;caret-right-orange&quot;&gt;&ldquo;Mortality Score&rdquo; based on existing data (predictive analytics without needing medical exam or records) &lt;/i&gt;&lt;/p&gt; &lt;p style=&quot;line-height: 1.5;&quot;&gt;&lt;i class=&quot;caret-right-orange&quot;&gt;Pharma Access (prescription drug access)&lt;/i&gt;&lt;/p&gt; &lt;p&gt;Attending physician statements and paramedical examinations are mostly needed in underwriting.&lt;/p&gt; &lt;p&gt;For Long Term Care and Disability Income, they follow similar paths to that of Worker&rsquo;s Compensation and substantial fraud can occur in the adjudication of these claims.&amp;nbsp;&lt;/p&gt; &lt;p&gt;As in other personal injury claims, medical record review is an important part of long term care and disability income litigation. The injury must be well-documented in the claimant&rsquo;s medical records.&lt;/p&gt; &lt;p&gt;Once the treatment for the injury is completed, an independent medical examiner (IME) will examine the claimant to determine whether there is any permanent partial disability due to the injury. The medical examiner examines and interviews the claimant and reviews the relevant medical records.&lt;/p&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-9 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-widget_container &quot; style=&quot;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1563136948376233&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end body --&gt; &lt;/div&gt;&lt;!--end body wrapper --&gt; &lt;div class=&quot;footer-container-wrapper&quot;&gt; &lt;div class=&quot;footer-container container-fluid&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-global_group &quot; style=&quot;&quot; data-widget-type=&quot;global_group&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;&quot; data-global-widget-path=&quot;generated_global_groups/5788725918.html&quot;&gt;&lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell Container2PU footer-logo-box&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span4 widget-span widget-type-cell footer-images-seal text-center&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;4&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text &quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1507233993650209&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h5&gt;PREMIUM PARTNER SINCE 2015&lt;/h5&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;a href=&quot;#&quot;&gt; &lt;/a&gt;&lt;div class=&quot;span12 widget-span widget-type-linked_image &quot; style=&quot;&quot; data-widget-type=&quot;linked_image&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt;&lt;a href=&quot;#&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1507234002718213&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;a href=&quot;https://www.mplassociation.org/&quot; target=&quot;_blank&quot; id=&quot;hs-link-module_1507234002718213&quot; rel=&quot;noopener&quot; style=&quot;border-width:0px;border:0px;&quot;&gt;&lt;img s
40	Error End tag a violates nesting rules. On line 632, column 350 =&quot;ENROLL&quot;&gt;&lt;/a&gt;&lt;/span&gt;&lt;script charset=&quot;utf-8&quot; src=&quot;/hs/cta/cta/current.js&quot;&gt;&lt;/script&gt;&lt;script type=&quot;text/javascript&quot;&gt; hbspt.cta._relativeUrls=true;hbspt.cta.load(3070728, &#039;e40b620d-5f80-4258-a384-a739e7d9db69&#039;, {&quot;useNewLoader&quot;:&quot;true&quot;,&quot;region&quot;:&quot;na1&quot;}); &lt;/script&gt;&lt;/span&gt;&lt;!-- end HubSpot Call-to-Action Code --&gt;&lt;/span&gt; &lt;/div&gt; &lt;/div&gt; &lt;div id=&quot;mobile-nav__contact&quot;&gt; &lt;div&gt; &lt;h5&gt;SUPPORT&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;mailto:[email protected]&quot; target=&quot;_top&quot;&gt;[email protected]&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;div&gt; &lt;h5&gt;SALES&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;mailto:sa[email protected]&quot; target=&quot;_top&quot;&gt;sa[email protected]&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;div&gt; &lt;h5&gt;CALL&lt;/h5&gt; &lt;p&gt;&lt;a href=&quot;tel:8004679181&quot; rel=&quot; noopener&quot;&gt;(800) 467-9181&lt;/a&gt;&lt;/p&gt; &lt;/div&gt; &lt;/div&gt; &lt;div id=&quot;mobile-nav__social&quot;&gt; &lt;h5&gt;FOLLOW US:&lt;/h5&gt; &lt;div id=&quot;mobile-nav__social-icons&quot;&gt; &lt;a href=&quot;https://www.linkedin.com/company/ontellus/&quot;&gt;&lt;i class=&quot;fab fa-linkedin-square&quot;&gt;&lt;/i&gt;&lt;/a&gt; &lt;a href=&quot;https://twitter.com/OntellusInsight&quot;&gt;&lt;i class=&quot;fab fa-twitter-square&quot;&gt;&lt;/i&gt;&lt;/a&gt; &lt;/div&gt; &lt;/div&gt; &lt;/div&gt;&lt;/header&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end header --&gt; &lt;/div&gt;&lt;!--end header wrapper --&gt; &lt;div class=&quot;body-container-wrapper&quot;&gt; &lt;div class=&quot;body-container container-fluid&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell banner-top&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-linked_image banner-top-image&quot; style=&quot;&quot; data-widget-type=&quot;linked_image&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_150481147826346&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;img src=&quot;https://www.ontellus.com/hubfs/Life%20Insurance%20Records%20Retrieval.jpg&quot; class=&quot;hs-image-widget &quot; style=&quot;max-width: 100%; height: auto;&quot; alt=&quot;Life Insurance Records Retrieval&quot; title=&quot;Life Insurance Records Retrieval&quot;&gt;&lt;/span&gt;&lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget &quot; style=&quot;padding:2%;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_15629111309212178&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-space&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span class=&quot;hs-horizontal-spacer&quot;&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-rich_text container2PU banner-black-text&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_14059450344486811&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h1&gt;Life Insurance&lt;/h1&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-widget_container &quot; style=&quot;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15629107368161874&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span5 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;5&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-2 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text &quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1506957853034308&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;p&gt;Even though many companies have moved away from traditional evidence models, underwriting is still needed. Ontellus adds value to the underwriting process by gathering and managing records such as physician statements and paramedical examinations. Certain Long Term Care and Disability Income products often require medical records for claims processing as well.&lt;/p&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span7 widget-span widget-type-rich_text titlevwfont0&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;5&quot; data-w=&quot;7&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15603695357987748&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell content-wrapper page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text service-box title-border&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_150643642404426&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h2 style=&quot;text-align: center;&quot;&gt;Life Insurance Underwriting &amp;amp; Claims&lt;/h2&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell Container2PU&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span3 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;3&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget text-center align-center&quot; style=&quot;padding-bottom:50px;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_1562893943529556&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-linked_image widget-type-linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1562893943529556_&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;img src=&quot;https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=150&amp;amp;height=168&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected]&quot; class=&quot;hs-image-widget &quot; width=&quot;150&quot; height=&quot;168&quot; style=&quot;max-width: 100%; height: auto;&quot; alt=&quot;Life Insurance Claims Records Retrieval@4x&quot; title=&quot;Life Insurance Claims Records Retrieval@4x&quot; srcset=&quot;https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=75&amp;amp;height=84&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 75w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=150&amp;amp;height=168&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 150w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=225&amp;amp;height=252&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 225w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=300&amp;amp;height=336&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 300w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=375&amp;amp;height=420&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 375w, https://www.ontellus.com/hs-fs/hubfs/Life%20Insurance%20Claims%20Records%20Retrieva[email protected]?width=450&amp;amp;height=504&amp;amp;name=Life%20Insurance%20Claims%20Records%20Retrieva[email protected] 450w&quot; sizes=&quot;(max-width: 150px) 100vw, 150px&quot;&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-6 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-global_group &quot; style=&quot;&quot; data-widget-type=&quot;global_group&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;&quot; data-global-widget-path=&quot;generated_global_groups/11259952465.html&quot;&gt;&lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell content-wrapper page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell &quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text hide-on-mobile&quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1505946803996434&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h3&gt;Claims Management&lt;/h3&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget hide-on-mobile&quot; style=&quot;padding-bottom:4%;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_15631324763932123&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-simple_menu&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span id=&quot;hs_cos_wrapper_module_15631324763932123_&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_simple_menu&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;simple_menu&quot;&gt;&lt;div id=&quot;hs_menu_wrapper_module_15631324763932123_&quot; class=&quot;hs-menu-wrapper active-branch flyouts hs-menu-flow-vertical&quot; role=&quot;navigation&quot; data-sitemap-name=&quot;&quot; data-menu-id=&quot;&quot; aria-label=&quot;Navigation Menu&quot;&gt; &lt;ul role=&quot;menu&quot; class=&quot;active-branch&quot;&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/workers-compensation-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Workers Comp Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/vehicle-bodily-injury-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Vehicle / Bodily Injury Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/general-liability-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;General Liability Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/claims/medical-malpractice-records&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Medical Malpractice Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1 active active-branch&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/life-insurance&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Life Insurance Claims&lt;/a&gt;&lt;/li&gt; &lt;li class=&quot;hs-menu-item hs-menu-depth-1&quot; role=&quot;none&quot;&gt;&lt;a href=&quot;https://www.ontellus.com/life-insurance/mass-tort-claims&quot; role=&quot;menuitem&quot; target=&quot;_self&quot;&gt;Mass Tort Claims&lt;/a&gt;&lt;/li&gt; &lt;/ul&gt; &lt;/div&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-7 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-widget_container &quot; style=&quot;padding-top:4%;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_15629158765512494&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;div id=&quot;hs_cos_wrapper_widget_1563464699620&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_custom_widget&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;custom_widget&quot;&gt;&lt;div id=&quot;well&quot;&gt; &lt;div class=&quot;plain medium&quot;&gt; &lt;p&gt;&lt;span&gt;Did You Know?&lt;br&gt;&lt;/span&gt;&lt;/p&gt; &lt;h3&gt;&lt;span&gt;Direct Billing For Medical Records Retrieval&lt;/span&gt;&lt;/h3&gt; &lt;p&gt;&lt;span&gt;Insurance carriers, Self-Insured&rsquo;s and Municipalities often establish direct billing relationships with Ontellus and instruct their attorneys to utilize Ontellus for records retrieval.&lt;/span&gt;&lt;/p&gt; &lt;/div&gt; &lt;/div&gt; &lt;/div&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;div class=&quot;span9 widget-span widget-type-cell service-box3 SolutionText&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;3&quot; data-w=&quot;9&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-8 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-custom_widget Container2PU&quot; style=&quot;&quot; data-widget-type=&quot;custom_widget&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div id=&quot;hs_cos_wrapper_module_1562893621727538&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module widget-type-rich_text widget-type-rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;module&quot;&gt;&lt;span id=&quot;hs_cos_wrapper_module_1562893621727538_&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;p&gt;Fully underwritten products and Long Term Care and Disability Income products drive medical evidence in the Life space.&amp;nbsp; While many companies have moved away from the evidence models as much as they can, underwriting is still needed for certain products.&lt;/p&gt; &lt;p&gt;For applicants over the age of 50, or for large face amount policies, it generally takes 5 or more weeks to issue a fully underwritten life policy. Of course issues such as integrated eApp or UW delays, can impact that policy time.&lt;/p&gt; &lt;p&gt;Alternative underwriting models often complement records retrieval such as:&lt;/p&gt; &lt;p style=&quot;line-height: 1.5;&quot;&gt;&lt;i class=&quot;caret-right-orange&quot;&gt;&ldquo;Mortality Score&rdquo; based on existing data (predictive analytics without needing medical exam or records) &lt;/i&gt;&lt;/p&gt; &lt;p style=&quot;line-height: 1.5;&quot;&gt;&lt;i class=&quot;caret-right-orange&quot;&gt;Pharma Access (prescription drug access)&lt;/i&gt;&lt;/p&gt; &lt;p&gt;Attending physician statements and paramedical examinations are mostly needed in underwriting.&lt;/p&gt; &lt;p&gt;For Long Term Care and Disability Income, they follow similar paths to that of Worker&rsquo;s Compensation and substantial fraud can occur in the adjudication of these claims.&amp;nbsp;&lt;/p&gt; &lt;p&gt;As in other personal injury claims, medical record review is an important part of long term care and disability income litigation. The injury must be well-documented in the claimant&rsquo;s medical records.&lt;/p&gt; &lt;p&gt;Once the treatment for the injury is completed, an independent medical examiner (IME) will examine the claimant to determine whether there is any permanent partial disability due to the injury. The medical examiner examines and interviews the claimant and reviews the relevant medical records.&lt;/p&gt;&lt;/span&gt;&lt;/div&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-9 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-widget_container &quot; style=&quot;&quot; data-widget-type=&quot;widget_container&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1563136948376233&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget_container&quot; data-hs-cos-type=&quot;widget_container&quot;&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;/div&gt;&lt;!--end body --&gt; &lt;/div&gt;&lt;!--end body wrapper --&gt; &lt;div class=&quot;footer-container-wrapper&quot;&gt; &lt;div class=&quot;footer-container container-fluid&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-global_group &quot; style=&quot;&quot; data-widget-type=&quot;global_group&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;&quot; data-global-widget-path=&quot;generated_global_groups/5788725918.html&quot;&gt;&lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-1 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell Container2PU footer-logo-box&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-2 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-cell page-center80P&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-3 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span4 widget-span widget-type-cell footer-images-seal text-center&quot; style=&quot;&quot; data-widget-type=&quot;cell&quot; data-x=&quot;0&quot; data-w=&quot;4&quot;&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-4 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;div class=&quot;span12 widget-span widget-type-rich_text &quot; style=&quot;&quot; data-widget-type=&quot;rich_text&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1507233993650209&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;rich_text&quot;&gt;&lt;h5&gt;PREMIUM PARTNER SINCE 2015&lt;/h5&gt;&lt;/span&gt; &lt;/div&gt;&lt;!--end layout-widget-wrapper --&gt; &lt;/div&gt;&lt;!--end widget-span --&gt; &lt;/div&gt;&lt;!--end row--&gt; &lt;/div&gt;&lt;!--end row-wrapper --&gt; &lt;div class=&quot;row-fluid-wrapper row-depth-1 row-number-5 &quot;&gt; &lt;div class=&quot;row-fluid &quot;&gt; &lt;a href=&quot;#&quot;&gt; &lt;/a&gt;&lt;div class=&quot;span12 widget-span widget-type-linked_image &quot; style=&quot;&quot; data-widget-type=&quot;linked_image&quot; data-x=&quot;0&quot; data-w=&quot;12&quot;&gt;&lt;a href=&quot;#&quot;&gt; &lt;div class=&quot;cell-wrapper layout-widget-wrapper&quot;&gt; &lt;span id=&quot;hs_cos_wrapper_module_1507234002718213&quot; class=&quot;hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_linked_image&quot; style=&quot;&quot; data-hs-cos-general-type=&quot;widget&quot; data-hs-cos-type=&quot;linked_image&quot;&gt;&lt;a href=&quot;https://www.mplassociation.org/&quot; target=&quot;_blank&quot; id=&quot;hs-link-module_1507234002718213&quot; rel=&quot;noopener&quot; style=&quot;border-width:0px;border:0px;&quot;&gt;&lt;img s
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79	Info The type attribute is unnecessary for JavaScript resources. On line 117, column 925 rrent.js"></script><script type="text/javascript"> hbspt
80	Error Element div not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 141, column 457 pe="menu"><<span style="background-color: #ffff80;">divspan> id="hs_menu_wrapper_module_15627147580431157_main-menu" class="hs-menu-wrapper active-branch flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="Ontellus Website Version 2" data-menu-id="5231434026" aria-label="Navigation Menu"> <ul
81	Error Element div not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 230, column 421 pe="menu"><<span style="background-color: #ffff80;">divspan> id="hs_menu_wrapper_module_15627147580431157_" class="hs-menu-wrapper active-branch flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="Mobile Menu" data-menu-id="11296602125" aria-label="Navigation Menu"> <ul
82	Info The charset attribute on the script element is obsolete. On line 310, column 883 t="LOGIN"></a></span><script charset="utf-8" src="/hs/cta/cta/current.js"></scri
83	Info The type attribute is unnecessary for JavaScript resources. On line 310, column 923 rrent.js"></script><script type="text/javascript"> hbspt
84	Info The charset attribute on the script element is obsolete. On line 313, column 884 ="ENROLL"></a></span><script charset="utf-8" src="/hs/cta/cta/current.js"></scri
85	Info The type attribute is unnecessary for JavaScript resources. On line 313, column 924 rrent.js"></script><script type="text/javascript"> hbspt
86	Error Element h1 not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 398, column 202 ich_text"><<span style="background-color: #ffff80;">h1span>>Life I
87	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 415, column 200 ich_text&am<span style="background-color: #ffff80;">pspan>;quot;&am<span style="background-color: #ffff80;">pspan>;gt;&am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt;Even t
88	Error Element h2 not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 454, column 228 ich_text"><<span style="background-color: #ffff80;">h2span> style="text-align: center;">Life I
89	Error Element h3 not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 504, column 201 ich_text"><<span style="background-color: #ffff80;">h3span>>Claims
90	Error Element div not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 513, column 622 ple_menu"><<span style="background-color: #ffff80;">divspan> id="hs_menu_wrapper_module_15631324763932123_" class="hs-menu-wrapper active-branch flyouts hs-menu-flow-vertical" role="navigation" data-sitemap-name="" data-menu-id="" aria-label="Navigation Menu"> <ul
91	Error Element div not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 543, column 433 ontainer"><<span style="background-color: #ffff80;">divspan> id="hs_cos_wrapper_widget_1563464699620" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_custom_widget" style="" data-hs-cos-general-type="widget" data-hs-cos-type="custom_widget"><<span style="background-color: #ffff80;">divspan> i
92	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 562, column 435 ich_text&am<span style="background-color: #ffff80;">pspan>;quot;&am<span style="background-color: #ffff80;">pspan>;gt;&am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt;Fully
93	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 563, column 3 ucts.&am<span style="background-color: #ffff80;">pspan>;lt;/<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt; &am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt;For a<span style="background-color: #ffff80;">pspan>
94	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 564, column 3 time.&am<span style="background-color: #ffff80;">pspan>;lt;/<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt; &am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt;Altern
95	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 565, column 29 h as:&am<span style="background-color: #ffff80;">pspan>;lt;/<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt; &am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan> style=&am<span style="background-color: #ffff80;">pspan>;quot;line-height: 1.5;&am<span style="background-color: #ffff80;">pspan>;quot;&am<span style="background-color: #ffff80;">pspan>;gt;&am<span style="background-color: #ffff80;">pspan>;lt;i cla
96	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 566, column 29 &am<span style="background-color: #ffff80;">pspan>;lt;/i&am<span style="background-color: #ffff80;">pspan>;gt;&am<span style="background-color: #ffff80;">pspan>;lt;/<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt; &am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan> style=&am<span style="background-color: #ffff80;">pspan>;quot;line-height: 1.5;&am<span style="background-color: #ffff80;">pspan>;quot;&am<span style="background-color: #ffff80;">pspan>;gt;&am<span style="background-color: #ffff80;">pspan>;lt;i cla
97	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 567, column 3 )&am<span style="background-color: #ffff80;">pspan>;lt;/i&am<span style="background-color: #ffff80;">pspan>;gt;&am<span style="background-color: #ffff80;">pspan>;lt;/<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt; &am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt;Attend
98	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 568, column 3 ting.&am<span style="background-color: #ffff80;">pspan>;lt;/<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt; &am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt;For Lo
99	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 569, column 3 nbs<span style="background-color: #ffff80;">pspan>;&am<span style="background-color: #ffff80;">pspan>;lt;/<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt; &am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt;As in
100	Error Element p not allowed as child of element span in this context. (Suppressing further errors from this subtree.) On line 570, column 3 ords.&am<span style="background-color: #ffff80;">pspan>;lt;/<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt; &am<span style="background-color: #ffff80;">pspan>;lt;<span style="background-color: #ffff80;">pspan>&am<span style="background-color: #ffff80;">pspan>;gt;Once t

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