Accelerated Underwriting and Non-Med Programs
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:
Paper Application or through the carrier site (must be appointed first)
Anico
Xpress Plus
Products: All products (excluding Worksite SI products)
Issue Ages and Face Amounts:
Ages 18-60: $250,000 – $1,000,000
Ages 18-55: $250,000, – $500,000
Underwriting Classes: Preferred Plus, Preferred, Standard Plus, and Standard
How to Submit:
Paper Application or through the carrier site (must be appointed first)
Assurity Accelerated Underwriting
Products: Term Products (10, 15, 20, and 30)
Issue Ages and Face Amounts:
Ages 18-50 $25,000 to $500,000
Ages 51-65 $25,000 to $350,000
Underwriting Classes: Select+ Non-Tobacco, Tobacco, Select Non-Tobacco, Tobacco, Standard Non-Tobacco, and Tobacco
How to Submit:
IGO E-App and Drop Ticket
Resources:
Banner Accelerated Underwriting
Products: OpTerm (10, 15, 20, 25, 30, 35, and 30)
Issue Ages and Face Amounts:
Ages 20-60 up to $2,000,000
Underwriting Classes: Standard Plus or better (Including Preferred Tobacco)
How to Submit:
SwiftApp
IGO
InstaApp
Options:
Digital Application Platform (e-Interview) or AppAssist
If not qualified for exam-free, the carrier will look at eligibility for the Lab Lift program.
Based on date of last blood work and physician information collected within the digital application process, they will determine if an attending physician statement (APS) can be used as a substitute for a paramedical exam and fluids — by pulling medical data and lab results from recent physician visits. All rate classes, including Sub-standard, are eligible for the program.
Resources:
Agile Underwriting- Please contact your Sales Manager for details
Equitable Easy Underwriting
Products:
• Term 10, Term 15, Term 20, ART
• BrightLife Grow
Issue Ages: Up to and including 60
Face Amounts: Up to and including $2,000,000
Effective August 1, 2021 Equitable will no longer be accepting new applications through IGO. You will need to directly access the new process via the Equitable portal.
If you are not registered for their site, you can call 800-924-6669. Must have an active appointment prior to submitting an application.
Global Atlantic Fast Lane Underwriting
Products: Lifetime Builder ELITE 2020, Lifetime Foundation ELITE, and Global Accumulator
Issue Ages and Face Amounts:
18-50 through $2,000,000
51-60 through $1,000,000
Underwriting Classes: Premier Non Tobacco, Preferred Non Tobacco, 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
How to Submit:
Through the carrier’s website
IGO E-App (No phone interview required with the Term e-Application or Permanent e-Application)
InstaApp
Lincoln Financial LincXpress
Products: All products (excluding Lincoln LifeElements®, One-Year Term, Lincoln TermAccel®, and Lincoln MoneyGuard®)
Issue Ages: 18–60
Face Amounts: $2.5 million or less
Underwriting Classes: Target is Preferred and Preferred Plus risks
How to Submit:
IGO E-App
Resources:
Lincoln Financial TermAccel
Products: TermAccell 10, 15, 20, and 30 Year Term
Issue Ages: 18-60 (Term 30 non-tobacco up to age 55 / Term 30 tobacco up to age 50)
Face Amounts: $100,000 to $2,500,000
Underwriting Classes:
• Preferred Plus Non-Tobacco
• Preferred Non-Tobacco
• Preferred Tobacco
• Standard Non-Tobacco
• Standard Tobacco
For the 30-year term duration, the maximum issue age for non-tobacco rate classes is age 55 and the maximum issue age for tobacco rate classes is age 50.
How to Submit:
IGO E-App
Options:
Tele Interview or Electronic Personal History Interview
Lincoln Real-Time Offer
Products: TermAccel , LincXpress (Single-life only), and LifeElements Term and IUL ticket submissions
Issue Ages: 18-60
Face Amounts: $2,500,000 and less
Digital Underwriter review takes places during the client interview
Underwriting Criteria:
- Only available for cases assessed through the automated underwriting process
- Client must be approved lab-free-
- Good Health Statement and Insurability Supplement is not required for cases approved via Real-Time Offer
How to Submit:
IGO E-App
Options:
Tele Interview or Online Interview
Lincoln Financial WealthAccelerate IUL
Products: WealthAccelerate IUL
Issue Ages: 20-55
Face Amounts: $100,000 to $1,500,000
Underwriting Classes:
• Preferred
• Standard (up to table 3)
• Standard Tobacco (up to table 3)
Lab-free consideration for healthy clients
How to Submit:
IGO E-App
Options:
Tele Interview or Online Interview
Resources:
Mass Mutual Fluidless Underwriting
Products: Term Products, Whole Life Products (Survivorship Whole Life and CareChoice products are not eligible)
Issue Ages: 17-50
Face Amounts: Up to $1,000,000
Classes: Standard and better
Riders: Life Insurance Supplement Rider (LISR), Additional Life Insurance Rider (ALIR), Guaranteed Insurability Rider (GIR), Renewable Term Rider (RTR), and Waiver of Premium Rider (WP). (The Long Term Care Access Rider (LTCR) is not eligible)
How to Submit:
IGO eApp
Other Information:
- If you are looking for a fluidless underwriting opportunity for your client, it is important not to order labs until an application is received and reviewed by MassMutual.
- Submitting labs for applicants who receive a fluidless offer will not result in a more favorable offer.
- Fluidless offers are not transferable to other policies and are not available for reconsideration.
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)
• Nationwide Indexed UL Accumulator II 2020 or Protector II 2020
• Nationwide No-Lapse Guarantee UL II
• New Heights Indexed UL Accumulator 2020
• Nationwide WL 100
• Nationwide 20-Pay WL
Issue Ages: 18-50
Face Amounts: $100,000 – $5,000,000
Issue Ages: 51-60
Face Amounts: $100,000 – $1,000,000
Risk classes: Nontobacco Preferred Plus, Nontobacco Preferred, Nontobacco Standard Plus and Tobacco Preferred
How to Submit:
IGO eApp
Options:
eInterview or Tele-interview
North American WriteAway
Products: ADDvantage Term 10, 15, 20, and 30
Issue Ages: 18-50
Face Amounts: Up to and including $2 million (placed in force or applied for in the past two years)
Issue Ages: 51-60
Face Amounts: Up to and including $1 million (placed in force or applied for in the past two years)
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 Accelerated Life +
Accelerated
Products: PL Promise Term Products
Issue Ages: 18 – 60
Face Amounts: Up to $3,000,000
Products: PL Promise GUL
Issue Ages: 18 – 60
Face Amounts: Up to $2,000,000
No Medical Exams or Aps
How to Submit:
- IGO E-App
- InstaApp
- Dropticket on Carrier Website
Modified
Issue Ages: 18-70
Face Amounts: Up to $3,000,000
Physical with labs required within past 12 months
How to Submit:
- IGO E-App
- InstaApp (AboutMe online questionnaire not available)
- Dropticket on Carrier Website
- Paper Application (AboutMe online questionnaire not available)
Options:
Tele Interview or Online Health History Questionnaire
Resources:
Principal Accelerated Underwriting
Products: All products (excluding Principal Executive VUL III)
Issue Ages: 18–40
Face Amounts: $3 million
Underwriting Classes: Super Preferred, Preferred Super Standard, Standard
Issue Ages: 41-50
Face Amounts: $2.5 million
Underwriting Classes: Super Preferred, Preferred Super Standard, Standard
Issue Ages: 51-60
Face Amounts: $2.5 million
Underwriting Classes: Super Preferred, Preferred Super Standard, Standard
How to Submit:
IGO Drop Ticket
IGO E-App
Paper Application
Resources:
Protective Velocity 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
Options:
Tele Interview or Online Interview
Resources:
TeleLife Consumer Quick Reference Guide
The Path to Efficiency – Electronic Applications
Velocity Digital Part II Reference Guide
Prudential PruFast Track
PruFast Track New Requirement FAQ
Prudential Fast App – updates July 19, 2021
Products: Most of Prudential’s term and permanent products (excludes PruTerm One and Survivorship products)
Issue Ages: 18 – 60
Face Amounts: $100,000 to $3,000,000
Quoted Underwriting Category: Smoker or better
How to Submit:
Xpress QuickForm worksheet or Drop Ticket
Options:
eInterview or Tele-interview (the customer needs to call in to schedule a telephone interview)
Resources:
AcceleRate
Products: Guaranteed Level Premium Term 10, 15, 20, 25, and 30 years, Whole Life
Issue Ages: 18-50
Face Amounts: $100,000,000 or less
Underwriting Classes: All risk classes and table ratings apply
Please note, if an eligible accelerated underwriting case does not qualify, it will automatically pivot to traditional underwriting.
How to Submit:
InstaApp or Paper application
Resources:
Accelerated Underwriting Checklist
Accelerated Underwriting Guidelines
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
Options:
Online Application (one with eApp – not available with Drop Ticket)
Resources:
Symetra’s Accelerated Underwriting Program
Products: Term Products, Accumulator IUL, Protector, IUL
Issue Ages: 18-50
Face Amounts: Up to $3,000,000
Issue Ages: 51-60
Face Amounts: Up to $2,000,000
How to Submit:
IGO eApp (Speed e Ticket)
Symetra SwiftTerm
Three potential underwriting paths
- Instant approval
- Accelerated underwriting
- Full underwriting
Your licensing paperwork needs to be at the carrier prior to submitting a SwiftTerm application.
Products: Term products
Issue Ages: 20-60 (50 Years old for 30 Year Term)
Face Amounts: $100,000 – $3,000,000
How to Submit:
IGO eApp
Options:
Online Application
Resources:
Transamerica Non-Med
Products: Trendsetter Super,$25,000 to $50,000
Issue Ages: 18-45
Face Amounts: $100,000 – $2,000,000
Issue Ages: 46-55
Face Amounts: $100,000 – $1,000,000
Products: Trendsetter LB
Issue Ages: 18-45
Face Amounts: $250,000 – $2,000,000
Issue Ages: 46-55
Face Amounts: $250,000 – $1,000,000
Underwriting Classes:
All
Nonmed is only available to residents of the United States and Puerto Rico.
How to Submit: IGO – Standard application only Or Paper application (IUL only on paper application). The Non-med Part 2 must be completed by the proposed insured with the agent.
Trendsetter Term Life Point-of-Sale Decision (Accelerated Underwriting)
Products: Trendsetter Super
Issue Ages: 18-60
Face Amounts: $25,000 – $99,999
Issue Ages: 61-70
Face Amounts: $25,000 – $50,999
Products: Trendsetter LB
Issue Ages: 18-60
Face Amounts: $25,000 – $249,999
Underwriting Classes:
Standard Nonsmoker, Standard Smoker
How to Submit: IGO – nonmedical application
United of Omaha Accelerated Underwriting
Products: Term Life Answers (10, 15, 20, and 30), Income Advantage IUL, Life Protection Advantage IUL
Issue Ages: 18-60
Face Amounts: $100,000 – $2,000,000
How to Submit:
IGO eApp (Speed e Ticket)