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Mortgage Protection Companies employ many different strategies to make sure that your health is accurately represented on your application for insurance. One method that many Mortgage Protection Companies use to research your health is a personal history interview (PHI). A personal history interview is a phone interview conducted by one of the representatives of the insurance company. While some Mortgage Protection Companies use underwriters to complete personal history interviews, others have their customer service representatives complete the interviews.
During the interview, the caller will ask you many of the same questions that you already answered on the application. A caller from an insurance company should never ask you for your full social security number, but they may need the last four digits of your social security number to ensure they're speaking to the right person. When they call, be prepared to answer questions about your health history, medications, height, and weight.