-
Company
|
-
Products
|
-
AGE
|
- Amount
|
-
Risk Class
|
-
Processing
|
-
Notes
|
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American National
|
All
Individual Products are available |
-
0 - 65
|
-
Up to $1,000,000
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0-50:
-
$250,001 - $1,000,000
51-60:
-
$250,001 - $500,000
|
-
-
All Underwriting Classes
|
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Electronic application required
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No Tele-app required
|
Instant
feedback from ExpertApp
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Same rates as full underwriting
|
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Assurity
|
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LifeScape UL,
-
LifeScape Whole Life
LifeScape Joint Whole Life
|
- 0 - 85
-
|
-
-
0-60
-
149,999
-
61-85
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$74,999
|
-
Standard
|
-
MIB, MVR, Prescription
-
Phone interview when there are
discrepancies
|
-
|
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Assurity Non Med 350
|
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Non-Med 350
|
- 18 - 65
|
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Min: $50,000
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Max:$350,000
|
-
-
Select Plus (Std)
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Select (Table 2)
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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
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Max:$500,000
|
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Preferred
-
Preferred Plus
-
NonTobacco
-
Non-tobacco
-
Standard Plus
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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
|
-
-
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20 - 60
|
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Min $100,000
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Max $1,000,000
|
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Super Elite
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Preferred
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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.
|
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Lincoln Financial
|
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TermAccel 15, 20, 30
|
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18‐50
|
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Min: $100,000
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Max:$500,000
|
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Preferred Plus Preferred NT
Standard NT Preferred Tobacco
Standard Tobacco
|
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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.
|
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Lincoln Financial
|
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All Products EXCEPT MoneyGuard
and TermAccel
|
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18‐60
|
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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.
|
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Minnesota Life
|
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All Single Life Products
|
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18‐54
|
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Min: $250,000
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Max:$1,000,000
|
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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
|
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Term; UL; IUL; VUL; SL
|
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18‐60
|
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Min: $50,000
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Max:$1,000,000
|
-
Preferred
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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
|
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Prudential
|
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Majority of Term and Permanent
Products
|
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18‐60
|
-
To be determined
|
-
To be determined
|
-
Tele Underwriting Process - More
to follow
|
-
PruFast Track Underwriting
Available 1st Quarter 2017
|
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SBLI
|
Guaranteed Level Premium Term |
-
18‐60
|
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Min: $100,000
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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
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Max:$249,000
|
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Standard Tobacco
-
Non-Tobacco
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Standard Express
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Tobacco &
-
Non-Tobacco
|
-
MIB, MVR, Prescription,
-
Possible APS and Phone Interview
at
-
underwriter discretion
|
-
Not available in NY
|
-
United of Omaha
Term Life Express
|
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Term Express
GUL Express
|
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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 - 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
|
