Accelerated Underwriting and Non-Med Programs
Allianz Accelerated Underwriting
Products: Allianz LifePro+
Issue Ages: 25-60
Face Amounts: $3 million or less (Premium Finance business will now be able to go through Accelerated Underwriting, assuming it meets the program guidelines)
(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:
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:
$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
Products: OpTerm (10, 15, 20, 25, 30, 35, and 30)
Issue Ages and Face Amounts:
Ages 20-50 up to $1,000,000
Healthy females up to age 55 may qualify for up to $250k
Underwriting Classes: Preferred Plus NT, Preferred NT and Standard Plus NT
How to Submit:
SwiftApp
IGO
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:
Digital Application Reference Guide
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.
Products: 10, 15, 20, 25, and 30 Year Term
Issue Ages: 18-60
Face Amounts: $50,000 – $1,500,000 (underwritten for the full face amount)
Underwriting Classes: All
How to Submit:
Once appointed, you will receive your own personal URL.
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: $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 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 Online Interview
Resources:
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: 18-50
Face Amounts: $100,000 – $2,000,000
Issue Ages: 51-60
Face Amounts: $100,000 – $1,000,000
Risk classes: Nontobacco Preferred Plus, Nontobacco Preferred, Nontobacco
Standard Plus, Tobacco Preferred and the newly added Standard rate class
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 (Age Nearest)
Face Amounts: Up to and including $3 million
Issue Ages: 51-60 (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 Swift Sailing Accelerated Underwriting
Products: PL Promise Term 10, 15, 20, 25, or 30 year level term
Issue Ages: 18 – 60
Face Amounts: Up to $2,000,000
How to Submit:
- IGO E-App
- InstaApp
- Dropticket on Carrier Website
Pacific Life Smooth Sailing (Fluidless Underwriting)
Products: PL Promise Term 10, 15, 20, 25, or 30 year level term
Issue Ages: 50-69
Face Amounts: Up to $1,000,000
How to Submit:
- IGO E-App
- InstaApp
- Dropticket on Carrier Website
- Options:
Tele Interview or Online Health History Questionnaire
Resources:
- AboutMe Online Health History Questionnaire – How It Works
- What Happens Next
Clients who do not qualify for PL Swift Sailing accelerated underwriting will automatically be assessed for PL Smooth Sailing fluidless underwriting for ages and face amounts that overlap (50-69, up to and including $1 Million), providing a seamless underwriting experience. Those who do not qualify for either program will enter full underwriting.
Principal Accelerated Underwriting
Products: Term (10, 15, 20, and 30), Provider Edge II, Flex III, Flex II, Accumulation II
Issue Ages: 18 – 40
Face Amounts: Up to $3 million
- Drop Ticket must be used to submit all term applications up to $3 million face amount (except in New York).
- For individuals who don’t qualify for AU due to model score or knock out criteria, we’ll review to see if digital health data (DHD) can be used to help underwrite them without an insurance exam. DHD records will need to include results from an exam/lab within the prior 24 months.
Issue Ages: 41 – 50
Face Amounts: Up to $2.5 million
- For face amounts greater than $2 million, DHD records will need to include results from an exam/lab within the prior 24 months.
- Drop Ticket must be used to submit all term applications up to $2.5 million face amount (except in New York).
- For individuals who don’t qualify for AU due to model score or knock out criteria, we’ll review to see if DHD can be used to help underwrite them without an insurance exam. DHD records will need to include results from an exam/lab within the prior 24 months.
Issue Ages: 61 – 60
Face Amounts: Up to $2.5 million
- For face amounts greater than $1 million, DHD records will need to include results from an exam/lab within the prior 12 months.
- Drop Ticket must be used to submit all term applications up to $2.5 million face amount (except in New York).
- For individuals who don’t qualify for AU due to model score or knock out criteria, we’ll review to see if DHD can be used to help underwrite them without an insurance exam. DHD records will need to include results from an exam/lab within the prior 12 months.
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)
-
- All Drop Ticket platforms default to Accelerated Underwriting for $1M or less. Labs will not be ordered until we are notified from the carrier.
Options:
Simple application completed online or via a phone interview
Resources:
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
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
Resources:
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)
Underwriting Classes:
-
- Preferred Plus Non-Tobacco / Preferred Plus Tobacco
-
- Preferred Non-Tobacco / Preferred Tobacco
-
- Standard Non-Tobacco / Standard Tobacco
-
- Rated Non-Tobacco (will be referred to underwriting for review on face amounts of $500,001 and higher)
-
- Rated Tobacco / Rated 2 Non-Tobacco / Rated 2 Tobacco (will be referred to underwriting for review and only available for face amounts of $500,001 and higher)
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, Whole Life
Issue Ages: 18-60
Face Amounts: $100,000 minimum – $750,000 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
Symetra’s Accelerated Underwriting Program
Products: Permanent life insurance products
Issue Ages: 18-50
Face Amounts: Up to $2,000,000
Issue Ages: 51-60
Face Amounts: Up to $1,000,000
How to Submit:
IGO eApp (Speed e Ticket)
Symetra SwiftTerm
Three potential underwriting paths
- Instant approval
- Accelerated underwriting
- Full underwriting
You must be licensed and appointed with Symetra to submit a SwiftTerm
Products: Term products
Issue Ages: 20-60
Face Amounts: $100,000 – $2,000,000
How to Submit:
IGO eApp
Options:
Online Application
Resources:
Transamerica Non-Med
Products: Trendsetter Super, Financial Foundation IUL
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)