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Accelerated Underwriting Programs

 

 

Company
Products
AGE
 Amount
Risk Class
Processing
Notes
American National
All Individual Products are available
0 - 65
Up to $1,000,000

0-50:
$250,001 - $1,000,000  51-60:
$250,001 - $500,000
 
All Underwriting Classes
Electronic application required
No Tele-app required
Instant feedback from ExpertApp
Same rates as full underwriting
Assurity
LifeScape UL,
LifeScape Whole Life  LifeScape Joint Whole Life
0 - 85
 
 
0-60
149,999
61-85
$74,999

 

Standard
MIB, MVR, Prescription
Phone interview when there are discrepancies
 
Assurity Non Med 350
Non-Med 350
18 - 65
Min: $50,000
Max:$350,000
 
Select Plus (Std)
Select (Table 2)
Standard (Table 3-4)
MIB, MVR, Prescription
Phone interview when there are discrepancies
 
Banner
OPTerm 10, 15 20, 25, & 30
20 - 50
Min: $100,000
Max:$500,000
Preferred
Preferred Plus
NonTobacco               
Non-tobacco
Standard Plus
Non-Tobacco
MIB, MVR, Prescription
May qualify for Lab-free
underwriting                              Phone Interview & APS at underwriter discretion
No lapse or replacement in last 2 years.
If client does not qualify, traditional UW required One inch added to client's height to boost risk class
Global Atlantic
Lifetime Builder Lifetime Foundation Lifetime Provider IUL Lifetime Assure UL Term
All Permanent and Term
Up To Age 60
18‐50:  $1,000,000
51‐55:  $500,000
56‐60:  $250,000
 
Standard NT to Premier NT Standard Tobacco Preferred Tobacco
 
Paper app sections A‐G and M, auth form, phone interview, public records search, MIB, MVR, Rx check.
 
Fast Lane Underwriting
John Hancock
SmartProtect Term 10, 15, 20 w/Vitality
 
 
20 - 60
Min $100,000 
Max $1,000,000
Super Elite
Preferred
Elite SNT,SNT+
Tobacco
 
Shortented paper app, Rx Check, MVR, public record, MIB. No phone interview.
 
This product is meant for healthy clients. If client is not a regular Standard risk, they would not qualify for product.
Lincoln Financial
TermAccel 15, 20, 30
18‐50
Min: $100,000
Max:$500,000
Preferred Plus Preferred NT Standard NT Preferred Tobacco Standard Tobacco
Submit eTicket, Rx Check, MVR, MIB, ID Check, phone interview. If client qualifies, policy sent via eDelivery.
If client does not qualify, vitals and physical measurements will be ordered.
Check for product state availability.
Lincoln Financial
All Products EXCEPT MoneyGuard and TermAccel
18‐60
Max:$1,000,000
Preferred Plus  Preferred NT
Submit LincXpress tele‐app, Rx Check, MVR, MIB, ID Check, phone interview. If client qualifies, policy sent via eDelivery. If client does not qualify, vitals and physical measurements will be ordered.
Not available in NY.
Exclusions: Traditional full paper app and eApp, GI/SI, exchanges or conversions, prior submissions including trial or formal within past 12 months.
Minnesota Life
All Single Life Products
18‐54
Min: $250,000
Max:$1,000,000
Standard or better
Submit app through Quick eApp, phone interview, MIB, Rx check, MVR, credit information, court records, and property records check.
WriteFit
Principal Financial
Term; UL; IUL; VUL; SL
18‐60
Min: $50,000
Max:$1,000,000
Preferred
Super Preferred
 
Complete parts A and C of the app, phone interview (888‐TeleApp, Option 2), MVR, Rx check, MIB.
Pilot program w/affiliated agents No major medical conditions Build falls within Build Chart
Prudential
Majority of Term and Permanent Products
18‐60
To be determined
To be determined
Tele Underwriting Process - More to follow
PruFast Track Underwriting Available 1st Quarter 2017
SBLI
Guaranteed Level Premium Term
18‐60
Min: $100,000
Max:$500,000
All UW Classes
Drop Ticket: ZipApp to place and complete Part 1 & 2 in either APPS or EMSI. MVR, Rx Check, MIB, records check. Paper App: Part 1 as normal, Part 2 completed by phone in either APPS or EMSI. MVR, Rx Check, MIB, records check.
Accelerated Underwriting
Transamerica
Trendsetter LB
Varies by level term period and smoker status
Min: $25,000
Max:$249,000
Standard Tobacco
Non-Tobacco
Standard Express
Tobacco &
Non-Tobacco
MIB, MVR, Prescription,
Possible APS and Phone Interview at
underwriter discretion
Not available in NY
United of Omaha Term Life Express
Term Express                  GUL Express
18‐65
 
18 - 50:
$25,000 -$300,000
51 - 65:
$25,000 - $250,000
Standard Tobacco
Non-Tobacco
Simplified UW, Build Chart, MIB, Rx Check, MVR, Random Phone Interview (mandatory at $250,001+ on Term, mandatory ages 61‐65 on GUL)
Can submit through iGo
Voya Orange Pass™
IUL Accumulator IUL Protector
0 - 50
0 - 15:
$250,000
16 - 50:
$500,000
 
Preferred NonTobacco
16 - 50
Standard
NonTobacco
0 - 50
Standard Tobacco
16 - 50
MIB, MVR, Prescription
APS, Labs and Phone Interview at underwriter discretion
Table ratings available up to a maximum of Table P

 

For quotes, more details and to learn how to submit cases, contact Steve Gresso or Michelle Alford  713.977.0611