Accelerated Underwriting and Non-Med Programs

Allianz Accelerated Underwriting

Products: Allianz LifePro+
Issue Ages: 25-60
Face Amounts: $1 million or less
(includes existing coverage)
Underwriting Classes: Preferred
and Preferred Plus Nontobacco

How to Submit:
Paper application or ApplyNOW (must have an active agent number)

Anico Xpress

Products: All products (excluding Worksite SI products)
Issue Ages: 0-65
Face Amounts: Up to $249,999
Underwriting Classes: Standard and Substandard

How to Submit:
IGO formal application (paper)

Anico Xpress Plus

Products: All products (excluding Worksite SI products)
Issue Ages and Face Amounts:
Ages 18-60: $250,000 – $1,000,000
Ages 51-60: $250,000, – $500,000
Underwriting Classes: Preferred Plus, Preferred, Standard Plus, and Standard

How to Submit:
IGO formal application (paper)

Assurity Accelerated Underwriting

Products: Term Products (10, 15, 20, and 30)
Issue Ages and Face Amounts:
$25,000 to $500,000
Ages 18-50 up to $500,000
Ages 51-65 up to $350,000
Underwriting Classes: Select+ Non-Tobacco, Tobacco, Select Non-Tobacco, Tobacco, Standard Non-Tobacco, and Tobacco

How to Submit:
IGO E-App

Banner Appcelerate

Products: OpTerm (10, 15, 20, 25, 30, 35, and 30)
Issue Ages and Face Amounts:
OPTerm 15, 20, 25 and 30
$100,000 – $1 million, Ages 20-40
$100,000 – $750,000, Ages 41-45
$100,000 – $500,000, Ages 46-50
OPTerm 10 $100,000 – $500,000, Ages 20-50
Underwriting Classes: Preferred Plus NT, Preferred NT and Standard Plus NT

How to Submit:
SwiftApp

Banner Horizon

Products: OpTerm (10, 15, 20, 25, 30, 35, and 30)
Issue Ages and Face Amounts:
Male
10 Year Term
$100,000 – $5,000,000 / Ages 20-55
All Other Term
$100,000 – $1,000,000 / Ages 20-40
$100,000 – $750,000 / Ages 41-45
$100,000 – $500,000 / Ages 46-50
Female All Terms
$100,000 – $1,000,000 / Ages 20-50
$100,000 – $250,000 / Ages 51-55

Underwriting Classes: Preferred Plus NT, Preferred NT and Standard Plus NT

How to Submit:
InstaApp, IGO, or Through the carrier’s website

Equitable (AXA) Streamlined Underwriting Program

Products:
• COIL Institutional Series
• BrightLife Grow

Issue Ages: Up to and including 55
Face Amounts: Up to and including $2,000,000

Global Atlantic Fast Lane Underwriting

Products: Lifetime Builder, Lifetime Foundation, and Lifetime Provider
Indexed Universal Life Policies
Lifetime Assure Universal Life
Term Products
Issue Ages and Face Amounts:
18-50 through $1 million
51-55 through $500,000
56-60 through $250,000
Underwriting Classes: Premier Non-Tobacco, Preferred Non-Tobacco, Standard Plus Non-Tobacco (term only), Standard Non-Tobacco, Preferred Tobacco and Standard Tobacco

How to Submit:
IGO E-App

John Hancock Smart Protect Term with Vitality

Products: SmartProtect Term 10, 15, 20 w/Vitality
Issue Ages: 20-60, Renewability through age 94
Face Amounts: $100,000 – $1,000,000
Underwriting Classes:
Non-Smoker: Super Elite, Elite, Select
Smoker: Tobacco

How to Submit:
Paper Application (NB5213)

John Hancock ExpressTrack

Products: Single-life term and permanent products (including the Long-Term Care rider)
Issue Ages: 18-60
Face Amounts: Up to and including $3 million
Underwriting Classes: Generally considered Standard or better risk class

Products: Single-life term and permanent products (including the Long-Term Care rider)
Issue Ages: 18-60
Face Amounts: Up to and including $3 million
Underwriting Classes: Generally considered Standard or better risk class

How to Submit:
Through the carrier’s website

IGO E-App
InstaApp

Lincoln Financial LincXpress

Products: All products (excluding Lincoln LifeElements®, One-Year Term, Lincoln TermAccel®, and Lincoln MoneyGuard®)
Issue Ages: 18–60
Face Amounts: $1 million or less
Underwriting Classes: Target is Preferred and Preferred Plus risks

How to Submit:
IGO E-App

Lincoln Financial TermAccel

Products: TermAccell 10, 15, 20, and 30 Year Term
Issue Ages: 18-60
Face Amounts: $100,000 to $1,000,000
Underwriting Classes:
• Preferred Plus Nontobacco
• Preferred Nontobacco
• Standard Nontobacco
• Preferred Tobacco
• Standard Tobacco

How to Submit:
IGO E-App

TeleApp Preparation Guide

National Life EZ Underwriting

Products: All Life Insurance Products
• 18-50 applying for face amounts up to and including $3,000,000
(FlexLife, PeakLife, TotalSecure, Living Life By Design)
• 18-50 applying for face amounts up to and including $2,000,000 (Term
Series)
• 51-60 applying for face amounts up to and including $1,000,000
• 61-65 applying for face amounts to $250,000

Life insurance apps may be taken…
• In-person or following an in-person meeting
• Video conference
• Phone
• Email or Text

Nationwide Intelligent Underwriting

Products:
• YourLife Guaranteed Level Term (10, 15, 20, 30)
• Whole life Nationwide YourLife WL 100
• Nationwide YourLife 20-Pay WL
• Nationwide YourLife No-Lapse Guarantee UL
• Nationwide YourLife Indexed Universal Life
• Nationwide YourLife Indexed UL Accumulator or Protector
• Nationwide YourLife Current Assumption UL

Issue Ages: 18–60
Face Amounts: $100,000 – $1,000,000

How to Submit:
IGO eApp

North American WriteAway

Products: ADDvantage Term 10, 15, 20, and 30
Issue Ages: 18-50 (Age Nearest)
Face Amounts: Up to and including $1 million
Underwriting Classes: Standard (Tobacco and Non-Tobacco users), Preferred (Tobacco and Non-Tobacco users), and Super Preferred. Flat extras are allowed for avocations and aviation only

How to Submit:
IGO E-App

Pacific Life Smooth Sailing

Products: PL Promise Term and Promise GUL Products
Issue Ages: 50-69
Face Amounts: Up to $1,000,000
Underwriting Classes: Any

How to Submit:
IGO E-App

Principal Accelerated Underwriting

Products: Term (10, 15, 20, and 30), UL, IUL, SUL
Issue Ages: 18 – 60
Face Amounts: Up to $1 million
Underwriting Classes: Super Preferred and Preferred nonsmoker (no tobacco use within the past 24 months)

How to Submit:
IGO eApp (Term TeleApp or Accelerated Underwriting)

Protective Accelerated Underwriting

Products: Protective Classic Choice Term, Protective Custom Choice UL
Issue Ages: 18 – 60
Face Amounts: $100,000-$1,000,000 (ages 18-45) $100,000 – $500,000 (ages 46-60)

How to Submit:
IGO E-App or
EZ-App through the carrier’s website

Prudential PruFast Track

Products: Term and UL products *PruTerm One and Survivorship products are excluded
Issue Ages: 18 – 60
Face Amounts: $100,000-$3,000,000

How to Submit:
IGO E-App

COVID-19 Fast Track Underwriting Updates

Sagicor Accelewriting

Products: Sage Term (10, 15, and 20)
Face Amounts and Ages:
• $50k up to $1,000,000 (up through age 45)
• $50k up to $750,000 (ages 46-55)
• $50k up to $500,000k (ages 56-65)

How to Submit:
Through the carrier’s website

Must be appointed first

Sbli ZipApp

Products: Guaranteed Level Premium Term 10, 15, 20, 25, and 30 years
Issue Ages: 18-60
Face Amounts: $100,000 minimum – $500,000 maximum
Underwriting Classes: All risk classes and table ratings apply

How to Submit:
InstaApp or Paper application

Securian WriteFit

Criteria:
• Applying for a face amount up to $2 million
• Applying via eApp
• Using the tele-interview process

WriteFit Issue Ages, Face Amounts and Underwriting Classes:
18-50 $0 – $3,000,000 Standard or better
(excludes WriteFit Express products at the face amounts listed below)

Single-life products 51-60 $0 – $1,000,000 Standard or better
(excludes WriteFit Express products at the face amounts listed below)

WriteFit Express Issue Ages, Face Amounts and Underwriting Classes:
Advantage Elite Select Term 16-54 $50,000 – $99,999 Standard
$100,000 – $250,00 Standard or better
Secure Protector Whole Life 0-15 $10.000 – $249,999 Preferred
16-55 $25,000 – $249,999 Standard
Secure Accumulator WL 0-15 $10,000 – $99,999 Preferred
16-55 $25,000 – $99,999 Standard
Orion Indexed UL 0-15 $50,000 – 10,000 Standard
16-54 $100,001 – $250,000 Standard or better

How to Submit:
eApp through carrier’s website (must have an active agent number) or IGO

United of Omaha Speed e Ticket

Products: Term Life Answers (10, 15, 20, and 30), Income Advantage IUL, Life Protection Advantage IUL
Issue Ages: 18-55
Face Amounts: $100,000 – $2,000,000

How to Submit:
IGO eApp (Speed e Ticket)