Accelerated Underwriting

CarrierQualificationsHow 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 $250,000
Underwriting Classes: Standard and Substandard
Available for paper and IGO E-App
Anico
Xpress Plus
Products: All products (excluding Worksite SI products)
Issue Ages and Face Amounts:
Ages 0-50: $250,001 – $1,000,000
Ages 51-60: $250,001, – $500,000
Underwriting Classes: Preferred Plus, Preferred, Standard Plus, and Standard
IGO E-App
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
Products: Single-life Products, Advantage Elite Select Term, Secure Protector Whole Life, Secure Accumulator Whole Life, and Orion Indexed UL
Issue Ages, Face Amounts and Underwriting Classes:
Single-life products 18-54 $0 – $1,000,000 Standard or better
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
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 Products
Issue Ages: 50-69
Face Amounts: Up to $500,000
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)