Accelerated Underwriting
| Carrier | Qualifications | How to Submit |
|---|---|---|
| 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 | 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 | Available 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 | Available 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 | IGO E-App |
| Banner Appcelerate | Products: OpTerm (10, 15, 20, 25, 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 | InstaApp and SwiftApp |
| 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 | 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 | 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 $1 million Underwriting Classes: Generally considered Standard or better risk class | 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 | IGO E-App |
| Minnesota Life 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 – $2,000,000 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 WriteFit Express Issue Ages, Face Amounts and Underwriting Classes: | eApp through carrier’s website (must have an active agent number) |
| 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 | 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 | 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) | 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) | IGO E-App |
| 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 | InstaApp or Paper application |
| United of Omaha Speed e Ticket | Products: Term Life Answers (10, 15, 20, and 30) Issue Ages: 18-55 Face Amounts: $100,000 – $1,000,000 | IGO eApp (Speed e Ticket) |