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Lakeview Financial is continually monitoring the Coronavirus (COVID-19) situation. With many states now issuing Stay at Home orders, running your business can get complicated.
We have put together some resources to help you get through these challenging times.

As technology is ever changing, our website is up to date and fully equipped with online tools and resources that are second to none to help expedite the application process from start to finish. There is no need for your client to leave the comfort of your own home. Offering, Online application platforms, access to accelerated underwriting, and exam free programs. Rest assured, our sales reps are ready to help you find the perfect product and process that suits your client’s needs during this time. Now is the time to take advantage of the technology that Lakeview has to offer!

We are updating this page as quick as we can, so please check back regularly.

Exam Vendor Information

APPS

For Exams and EKGs

Restrictions:

CA Counties – Alameda, Contra Costa, Marin, Monterey, Napa, San Francisco, San Benito, Santa Clara, Santa Cruz, San Luis Obispo, San Mateo, and Sonoma

Notes:

User can logon to website to get most current information Most branch offices are remote now and primarily for scheduling only Areas with strong shut down orders may see delays in scheduling

Operational Bulletin

Exam One

ExamOne Response to Cornoravirus Disease 2019 (COVID-19)

Update as of July 31, 2020:

Serving clients, applicants and patients in areas impacted by COVID-19

Updated 07.31.2020

ExamOne’s Customer Service Group call center has expanded our hours of operations to better serve our clients. New hours are 7:00 a.m. – 6:00 p.m. CT.

We are monitoring the COVID-19 situation closely and making adjustments in accordance with national and state mandates, with the safety of our employees and applicants as a priority. We rapidly reacted to help ensure limited service disruptions and implemented extensive safety measures to our field and exam offices. Some state and area restrictions may impact our collection network, office closures and appointment availability.

Our staff is here to help guide you during these changing events. Feel free to contact your ExamOne representative or local branch office for specific coverage inquires.

Providing options for exam locations

Exam center availability

We are processing examinations in the available Quest Patient Service Centers (PSC) across the United States. Quest PSCs are considered health care essential businesses or exempt businesses and are available in impacted areas. Applicants are required to wear face masks for Quest PSC appointments.

The stay at home restrictions may have impacted our ability to offer appointment availability in some of our corporate offices. Find out more information about exam appointment availability in ExamOne corporate offices (updated 07.31.2020).

Mobile examination availability

Mobile examinations are available nationwide for applicants who are interested and who have passed the precautionary screening questions prior to the exam date and time. We recommend applicants wear a face mask during an in-home appointment. The stay at home orders in some areas have impacted our examiner network and you may experience delays in mobile appointment availability. Please continue to contact your local branch office for coverage inquires.

Collections for ExamOne’s Health and Life Sciences and non-life insurance clients and patients are deemed a “medical necessity” and are still being performed.

Teleunderwriting

While our staff remains at full capacity, there may be some delays in our calling campaign.

APS

We have received notifications that various medical facilities are closed in some areas which may cause a delay in your APS retrieval.

Update as of April 17, 2020:

COVID-19 Service Provider Update
April 17, 2020
As the COVID-19 situation continues to evolve, we are committed to keeping you informed. You will find the most recent updates highlighted below.
Update to applicant screening questions

We continue to evaluate our process and practices around COVID-19. We are updating the applicant screening questions during the paramedical scheduling appointment and confirmation processes for life insurance exams as outlined below. These changes will be implemented next week.

·     Have you been diagnosed with COVID-19?

·     In the last 14 days have you exhibited symptoms of COVID-19, including fever, respiratory distress, or the loss of your sense of smell or test; alternatively, have you  had close (within 6 feet) prolonged (10 minutes or more) contact with someone who has?

·     In the last 14 days have you traveled in violation of any federal, state or local guidance or orders, or had close contact with an individual who has?

·     Our medical professionals are required to wear full personal protective equipment including face shields and we recommend you also wear a face mask if possible. During the medical exam our phlebotomist will be in close proximity to you to complete the specimen collection. Are you comfortable scheduling your appointment at this time?*

If an applicant answers yes to any of the first three questions, or states they do not feel comfortable proceeding with the exam, he or she will be directed to delay scheduling the appointment for 14 days from diagnosis, contact or date of travel, and advised to contact their insurance company.

Additional state closings

We continue to update our website with the most up-to-date state closings. Please note, stay at home restrictions may have impacted our examiner network and mobile appointment availability in certain areas. Please continue to contact your local branch office for coverage inquires.

ExamOne COVID-19 resources:

·     How ExamOne is responding to COVID-19

·     Office closings and service updates

·     Applicant resources and FAQs

·     Examiner safety processes

Thank you for your continued partnership. If you have any questions regarding the above solutions, please reach out to your Strategic Account Executive or local sales representative.

Update as of April 3, 2020:

COVID-19 Service Provider Update
April 3, 2020
As the COVID-19 situation continues to evolve, we are committed to keeping you and your applicants informed. You will find the most recent updates highlighted below.
Updated ExamOne safety processes, exam options, and scheduling options

Like Quest, ExamOne is committed to protecting the health and safety of all our employees and the communities we serve. This includes our examiners and life insurance applicants. ExamOne will not allow examiners to enter the home or otherwise interact with an individual suspected of or confirmed to have COVID-19. Nor will we allow examiners to collect specimens from or otherwise examine an individual suspected of or confirmed to have COVID-19. This document provides details on:

·     Safety measures we are taking to ensure the health and safety of our employees and applicants,

·     Applicant exam options, including how we are practicing social distancing at our exam centers, and

·     Expanded scheduling options for applicants to allow for more appointment availability.

Download full details here and feel free to share with others in your organization.
New state orders and service updates

As we receive new statewide orders, we continue to make updates on our website. Please refer to this page for exam status and service updates.

MVR update

Several states have indicated their offices were temporarily closed, are currently closed or will be closed to some extent, but are still processing requests. We do not anticipate any delays or disruption to service and you are still able to access driving records. The full list of states can be found here.

ExamOne COVID-19 resources:

·     How ExamOne is responding to COVID-19

·     Office closings and service updates

·     Applicant resources and FAQs

Thank you for your continued partnership. If you have any questions, please reach out to your Strategic Account Executive or local sales representative.

Express Imaging Services

Express Imaging Services (EIS), a leading provider of patient medical record retrieval for life and disability insurance carriers, today introduces the ability to order electronic health record (EHR) data via their EIS Direct platform.

In light of COVID-19 and the recent difficulty in receiving timely patient medical records, it’s more important now than ever to have a faster alternative to accessing traditional medical records. Those in the life and disability insurance space seeking medical information have long been relegated to placing orders and waiting weeks for a response from medical offices. Now they can take advantage of a more convenient and cost-effective method of receiving medical information by utilizing EHR data.

EHR data has quickly become a valuable source to underwriters for screening applications. Now, through a partnership with Clareto and other reliable data sources, EIS clients can request EHR data that can be returned overnight, rather than the weeks it may take other providers. The ability to pre-screen, decline and triage cases weeks faster delivers considerable cost savings — underwriters will save hundreds per chart in state fees.

Beyond the speed of the delivery, perhaps the most remarkable feature available in EIS Direct is its format ordering flexibility: clients can order EHR data and seamlessly transition to request a traditional attending physician statement (APS) with just a click. The ability to order multiple formats – either simultaneously or in succession – is a one-of-a-kind feature unique to EIS Direct.

Paul Terry, CEO of EIS, said, “We recognize that quality, availability and speed are essential to healthcare data requestors, and we understand the burden of waiting weeks for a response. We added the EHR ordering features to EIS Direct to provide an easier user experience. With the wealth of data from Clareto, we now offer the most comprehensive and convenient EHR data retrieval tool on the market.”

EIS and Clareto are among the key players who are building the interoperability bridge between the data sources and the requestor. David Dorans, CEO of Clareto, added, “Partnering with EIS means more open access to information, and this is just the start of expanding healthcare data availability. Together, we’ll continue to innovate the field of health information exchange, offering functionality that simplifies the entire process and makes the customer’s life easier.”

EIS is committed to making the retrieval process as seamless as possible. With the ability to review request history, provider and case manager contacts, authorizations and more, EIS Direct aims to offer constituents an all-in-one solution.

Existing EIS clients can access all these tools in their platform starting today. Note that EIS Direct adheres to stringent security protocols and does not require applicants to reveal their patient portal credentials. HIPAA authorization and basic patient information are all the underwriter needs. Anyone seeking to learn more about ordering EHR data or EHR to APS ordering capabilities should consult with EIS today.

About Express Imaging Services (EIS)
Express Imaging Services (EIS) provides advanced solutions in the requisition of medical records for life insurance and financial professionals across the nation. EIS utilizes secure portals and advanced technology to transfer and receive confidential information between provider and requester, anywhere in the world. We provide a level of service to clients that far exceeds industry standards.

Underwriting During COVID -19

Allianz

As of July 2020

We continue to make life insurance business easier during the pandemic.

As part of our ongoing support for the needs of you and your clients, as developments warrant, we’ll ensure appropriate process changes are made and communicated.

The following recent underwriting changes for new business are being extended to July 31, 2020:

    • Accelerated Underwriting for Preferred Risk Classes expanded from $1.5 million to $3 million. In addition, Premium Finance business will now be able to go through Accelerated Underwriting, assuming it meets the program guidelines.
    • Alternatives to exam requirements
      If your client does not qualify for Accelerated Underwriting, we have the ability to make fully underwritten decisions using the following alternative information sources instead of lab work initiated by Allianz.

      Remember, an exam must always be scheduled first. If unable to complete within 30 days of submission, the options below will be considered until further notice:

    • Age Death benefit amount Available risk classes Acceptable alternative info sources Acceptable recency of alternative info sources
      18-60* Up to $3M All
      (no rated)**
        1. APS
        1. Other insurance exam results with exam questions, physical measures, and full lab results
        1. Electronic health or medical records
        1. Personal Health Record provided by customer that includes a visit within the last 12 months
      Within the past 12 months

As of April 2020

Making business easier during these unprecedented times

Allianz Life Insurance Company of North America (Allianz) is excited to announce that we are implementing new business and underwriting changes to help make doing life insurance business with us easier in the current environment.

      • Accelerated Underwriting expanded from $1.5 million to $3 million. In addition, Premium Finance business will now be able to go through Accelerated Underwriting, assuming it meets the program guidelines.Program guidelines that remain unchanged:
            • Ages 25-60
            • Preferred nontobacco or Preferred Plus nontobacco risk classes
            • Requirements: MIB, MVR, Rx, UWCRPT and PHI

Until further notice, we will consider any case submitted March 16, 2020 and later that has not yet been referred for full underwriting. Keep in mind, Accelerated Underwriting is not offered for several countries of birth or residence with a higher prevalence of hepatitis B/C. Please contact your underwriter if you have specific questions regarding impacted situations. Full underwriting may still allow the client to qualify for our best risk class.

      • Offering alternatives to exam requirements
        If your client does not qualify for Accelerated Underwriting, we have the ability to make fully underwritten decisions using the following alternative information sources. Consider these options instead of Allianz initiated labs up to the ages, death benefit amounts, risk classes, and recency of the alternative sources outlined below until further notice. An exam must always be scheduled first, however, if unable to complete within 30 days of submission, this option is temporarily available.
Age Death benefit amount Available risk classes Acceptable alternative info sources Acceptable recency of alternative info sources
18-60* Up to $3M All (no rated)**
      1. APS
      1. Other insurance exam results with exam questions, physical measures, and full lab results
      1. Electronic health or medical records (agent provided)***
      1. Personal Health Record provided by customer that includes a visit within the last 12 months
Within the past 12 months

American General

May 2020

For cases that were postponed due to upcoming international travel, we are able to proceed if proof of travel-cancellation is provided and the travel was the only reason for the postponement.

We have had good results in finding alternative data sources for the APS requirement, resulting in our ability to review an increased number of applications over the past several weeks.

Our paramedical vendors are increasingly reporting resumption of operations in some states and regions. We expect this to continue as more state and local governments lift or relax their restrictions.

American General Underwriting Bulletin April 8, 2020

These additional temporary guidelines are now implemented on both formal and informal cases until the COVID-19 situation has diminished:

    • For individuals aged 70+, all cases will be postponed.
    • For individuals aged 60-69, all rated cases inclusive of all medical flat extras will be postponed.
    • For individuals aged 50-59, all cases assessed greater than Table B inclusive of all medical flat extras will be postponed
    • For individuals aged <50, all cases assessed greater than Table D and/or all medical flat extras will be postponed.
    • Additionally, there are several conditions that, in general, make a person more susceptible to COVID-19 and its more severe health impacts, including but not limited to coronary artery disease, metabolic disorders, respiratory impairments and underlying malignancies. Individuals with these co-morbid conditions will also be postponed regardless of current risk assessment of their non-COVID impairments. Processing of all currently pending business affected by the above COVID-19 guidelines will be suspended until further notice and a note will be placed on the file. Further, all approved and conditionally issued business will be reviewed and closed subject to our current case closeout rules.

American National

Exams and Physician Records Difficult to Obtain?

In an effort to help more of our customers obtain the life insurance coverage their families need, American National is temporarily expanding its acceleration criteria in order to approve about 50% more cases without the usual medical exam and APS requirements.

In order to expedite these additional cases:

  • Ages 50 and below
  • Face amounts $100,000 to $1,000,000
  • Many will have automatic table ratings applied
  • If medical exam or APS  can be obtained at a later date, we will re-underwrite to see if better class is warranted.

This is effective beginning April 1st to the following:

  • All new business
  • Current pending underwriting approval business starting with March submitted cases
As a reminder, the regular rules of our Xpress and Xpress Plus accelerated underwriting programs still apply and have the potential to issue cases up to $1,000,000 at preferred plus rates without any medical underwriting.
Unique to Xpress (formerly Underwriting Express)

  • Paper & Electronic Apps
  • Issue Ages: 0 – 65
  • Face Amounts: Up to $249,999
  • Underwriting Classes: Standard & Substandard
Unique to Xpress Plus

  • Electronic Apps Only
  • Issue Ages: 18 – 60
  • Face Amounts: $250,000 – $1,000,000 (ages 18 – 50) or $250,000 – $500,000 (ages 51 – 60)
  • Underwriting Classes: Preferred Plus, Preferred, Standard Plus, and Standard2

Banner (Legal & General)

Updates as of June 5, 2020:

Underwriting

Take Full Advantage of Our New Digital Application and the Use of Electronic Health Records

When you drop a ticket to Legal & General America’s new digital application, you can let the platform do the rest. The platform automatically collects all relevant underwriting information using reflexive questions, quickly obtains requirements, and makes decisions in real-time while keeping you and your clients informed along the way.

Qualifying customers are approved without the need for exams or APSs. If additional requirements are needed, the platform will order them quickly, including electronic health records (EHRs) to help reduce cycle times. If an exam or APS is needed and we are unable to obtain them through traditional ordering, please allow LGA to order the EHRs.

Important information that may impact cycle times:

  • Allowing our automated underwriting system to determine exam/APS-free eligibility before ordering EHRs can reduce cycle times, especially for those who qualify for exam/lab-free underwriting.
  • Obtaining EHRs prior to submission will result in the client from becoming ineligible for the digital application platform or AppAssist, due to the medical information needing to be reviewed by an underwriter.
  • Obtaining EHRs prior to submission will result in the client from becoming ineligible for the digital application platform or AppAssist, due to the medical information needing to be reviewed by an underwriter. This includes EHRs ordered for other carriers to build files or for any other purpose.
Learn more about the new digital application platform here.

Updates as of May 18, 2020:

Underwriting Updates

New TIAA Form

Due to current circumstances, Legal & General America (LGA) has updated our Temporary Insurance Application and Agreement (TIAA) to include a COVID-19 question. The new application is available in all states except for Florida and New York (William Penn). We expect to communicate Florida’s availability soon.

Effective immediately, please begin using the new TIAA forms, which can be found on the Partner Dashboard under the Forms tab. The life insurance application (LIA) and LIA package have been updated to remove the prior TIAA and the new package should be used with the same effective date as the TIAA.

Please discontinue the use of the old application and update any online postings. The old form will no longer be accepted as of June 1, 2020.

Download New TIAA Forms:

No changes for FL or NY

Temporary Underwriting Guidelines: Exam and APS Substitutions

On April 8th LGA added temporary substitutions to help your clients in cases where getting an exam or APS is more difficult at this time. Since implementing these guidelines, more than 30 percent of requested substitutions have been successful. Ensuring that clients take action to connect to their medical provider’s patient portal and HumanAPI is important in moving these cases through the process and determining if they can be substituted.

We’ve put together some guidance to help agents better understand how this process works. This includes an overview of the HumanAPI process and electronic health record gathering. Download the guidelines.

Digital Application – New Option for Link + Phone Interview

Starting tomorrow, the Partner Dashboard drop ticket process for digital applications will include the option for link + telephone interview versus an online link only. This change will allow the agent to select a date and time for our Call Center to reach out to the applicant if they haven’t completed their application online.

Since most applicants complete their application online within the first 3-4 days (they will receive text/email reminders on day 2 and 4), we’re asking that the soonest call date that an agent selects is five days in the future. For example, if the agent is submitting a digital application drop ticket on 5/18/2020, the call date should be 5/22/2020.

We will be updating the call scheduling option in the near future for the Partner Dashboard, iPipeline and other third party drop-ticket platforms.

Underwriting changes as of April 8, 2020

        • Effective April 8, 2020, for any pending or newly submitted formal applications, we’re offering additional solutions to underwrite without exams.
        • Exam Substitution For Applicants With Recently Completed Physicals An applicant’s recent routine physical will be accepted in lieu of a paramed exam if it has sufficient data and if the trending rate class based on other evidence does not exceed table 3, does not require a medical flat extra and there is no evidence of material non-disclosure. We have several methods available to collect this data, but expect to utilize Human API in most cases. Human API is a tool that allows your clients to securely share their medical records and health data with Legal & General America.

Equitable (AXA)

As of May 13, 2020:

AXA Equitable remains steadfast in its commitment to deliver competitive underwriting and product strategies. These strategies must be balanced with the marketplace, environment and overall risk. As a result, five temporary changes will be implemented to life insurance products. Read about the changes that will be implemented with all applications submitted May 18, 2020 or later.

We will continue to assess the situation and communicate when these temporary limitations will be removed.

As a reminder, the Accumulation Streamlined Underwriting Program is available for qualifying cases. Eligible cases eliminate the requirement for lab testing and paramedical exams. Please refer to the bulletin for full details.

Thank you for your business and your commitment to serving the life insurance needs of clients during these challenging times.

Equitable as of April 1, 2020:

Addressing Market Volatility Concerns

Managing the Impact of Market Volatility

In response to the challenges that COVID-19 and social distancing have presented to the life insurance application process, here are some important changes and tips to help keep your applications moving forward.

New applications

        • Use your BGA eApp platform for all new Equitable applications1.
        • Use our carrier eApp platform for all new applications1; eApp functionality is available via www.equitable.com.
        • Use DocuSign for signatures2.

Signature on forms other than applications

        • Use DocuSign for signatures2.
        • We will accept pictures of signed forms. (preferably in .pdf or .tiff format)
        • When multiple parties are required to sign the same form, we will accept separate pages signed by each party. (e.g. Policy Delivery Receipt) We will not require all signatures to be on the same page.
        • When forms have multiple pages (e.g. Illustrations3), we will accept just the signature page. We will not require all pages to be returned to us.

Voided checks

        • When bank draft is elected, but banking information is missing on a signed Systematic Form, we will accept the missing information by email to your Relationship Case Manager and/or a phone call to your Relationship Case Manager. We will not require the actual voided check.

Case documents

        • The best way to ensure your documents are attached to the case is to upload them within the Equitable Distributor website portal.

Policies

        • Important change: Paper policies are normally mailed to the Brokerage General Agencies office address. We are redirecting the mailing of policies to go directly to the client with a .pdf of the policy and delivery forms emailed to the Brokerage General Agency. If you do not want this redirection, please email your Relationship Case Manager with instructions to continue to mail policies to the Brokerage General Agency.

Thank you for your business, and we will continue to look for innovative ways to support you and your clients during these challenging times.

Global Atlantic

Update as of April 15, 2020:

We have been monitoring the environment related to the COVID-19 pandemic and the impact on our business. As a result, we are making some additional adjustments to our underwriting guidelines and products. Effective immediately we are implementing the following temporary changes to our underwriting guidelines and individual IUL products.

Note: These changes apply to all formal applications not already underwriter approved (or conditionally approved subject to nonmedical requirements) or policies currently out for delivery.

New temporary underwriting guideline changes specific to COVID-19:

    • Postponing acceptance of all new applications at age 70 and over.
    • Postponing applications for individuals up to age 69 with a rating class higher than Table 4.
    • Individuals with chronic underlying conditions at higher risk to COVID-19, including but not limited to, (obesity, cardiovascular disease, diabetes, lung disorders, cancer, and disorders requiring immunosupressive therapy) will be underwritten more prudently during this time.

The following product change is also effective immediately:

    • Annual premium limit has been lowered to $5 million per year on all Individual IUL products.

Click HERE to review our recent New Business & Underwriting communication announcing changes related to COVID-19.

For more information related to the Covid-19 emergency visit: www.globalatlanticlife.com/covid19

We are continuously monitoring the situation and will keep you informed of any additional changes. If you have questions, please reach out to your Global Atlantic underwriter or Regional Vice President.

Global Atlantic as of March 27, 2020:

At Global Atlantic, we understand the need to provide flexibility in how we process and underwrite new life applications for our distribution partners in order to help you better serve your customers during this uncertain time. All our teams, including operations and customer service, are fully operational and working remotely.

Effective immediately we will be implementing the following New Business and Underwriting guidelines, until further notice.

Updated New Business Guidelines

These New Business accommodations are temporary and may be withdrawn by the company at any time. Non-resident solicitation (cross border) rules and time-of-application requirements will continue to be strictly enforced.

Completing an Application and Submission

      • We will accept electronic signatures on new business paperwork signed via DocuSign or other approved vendors. Signatures will still be required for 1035 exchanges and replacement forms due to exchanging carrier requirements.
      • In addition to electronic submissions, we will accept applications by fax and email. You may fax or email them to: 1-800-262-6976 or newbusiness@gafg.com
      • We will also accept photographs of completed applications. Unclear pictures will be considered Not In Good Order (NIGO) and will require resubmission to finalize new business issuance.
      • If you are unable to meet with a client in-person to obtain their signed application, the application must be accompanied by a copy or photo of the applicant’s government-issued photo identification (e.g., driver’s license, state ID card, passport, etc.). If using Firelight, use the document upload feature to add this additional requirement.
      • If you are unable to meet with a client in-person, you must note this on the application Agent Report and describe in detail how you explained the product to the applicant. We encourage you to submit a cover letter containing this information.

Policy Delivery Requirements

      • There is no change to our 60-day delivery period. As usual, we will send you the issued policies for delivery to your clients and timely return of the policy delivery receipts. Effective immediately, for all cases we will require a Good Health Statement at policy delivery attesting that there has been no change to the applicant’s health. If you are unable to complete delivery due to the COVID-19 pandemic, please contact us to determine if the policies can be mailed directly to the policy owner.

Underwriting Requirements

      • Global Atlantic Underwriting has several programs available to utilize a “no exam, lab-free” opportunity
            • Accelerated Underwriting “Fast Lane Program” ages 18-60, up to $1 million
            • External Term Exchange Program, age 18-65, up to $1 million
            • Additional Insurance Program ages 18-65, up to $1 million
      • We are currently working to expand and enhance our Fast Lane Program using new underwriting tools – stay tuned!

Temporary Underwriting Guideline Changes specific to COVID-19:

      • For applicants age 18-60, up to $2 million face amount, if the applicant lives in a location where a paramed exam and labs cannot be completed, please contact your Global Atlantic underwriter to discuss other potential methods for providing the required underwriting information – for example, through submission of a physical examination and labs completed by a personal physician within the prior 12 months.
      • Underwriting offers for any permanent resident or U.S. citizen who has traveled outside of the U.S. within the past 30 days or has future plans to travel outside the U.S. will be postponed.
      • Individuals who have been exposed to COVID-19 or tested positive for COVID-19 will be postponed for 30 days and will be reconsidered subject to satisfactory evidence showing they have fully recovered. Individuals who have recovered after hospitalization for treatment for COVID-19 will be postponed for 6 months after treatment and reconsidered subject to satisfactory evidence showing they have fully recovered.

Global Atlantic Annuity

Global Atlantic Annuity as of March 31, 2020:

Given COVID-19’s social distancing recommendations, it may be necessary to conduct business using virtual face-to-face video conferences with clients. It is acceptable to use SnapApp or Firelight to complete your client’s annuity application virtually in a fast, easy, and secure process.
Benefits of using SnapApp

Electronic Signature – Clients sign either at the point of sale or via email
Intelligent Data Entry – Highlights required fields based on answers
Reduced NIGOs – Error indicators ensure forms are fully completed
State-Specific Forms – Automatically generate the applicable forms for state of issue
Requirements

We will accept electronic signatures with audit documentation (certificate of completion) on all new business documents. We recommend that you confirm the surrendering carrier will allow electronic signatures for transfers and exchanges.
You must provide the client an exact copy of any sales materials (e.g., sales collateral, product illustrations, etc.) that are discussed.
As needed, you and your clients may email clear pictures of completed new business documents along with a picture of your client’s government‐issued identification (e.g. driver’s license, state ID card, passport, etc.). Unclear pictures will be deemed Not In Good Order (NIGO) and will be rejected.
If you hold a video call with a prospect and at any time during the sales process, that prospect is not in their state of residence, it may be considered a nonresident sale. In that case, Global Atlantic’s cross border sales rules apply where applicable.
All applicable Global Atlantic policies and state requirements apply when conducting virtual business, just as in any sales scenario (e.g., training, licensing, information security, suitability, signature and delivery, etc.). Please reference the Fixed Annuity Guide to Suitability.
We’re here for you
Rest assured, you can continue to reach our Sales, Business Relationship Management, and Operations teams during normal business hours. We are committed to our customer’s experience.

We are following CDC guidelines and encouraging employees to follow our remote work procedures. These procedures have been well‐established over the years to ensure you continue to receive the same level of support in any environment.

Please contact Global Atlantic Sales or Business Relationship Management with any questions or if there’s anything more we can do to assist with your business needs during this unprecedented time.

Global Atlantic sales desk: (855) 44-SALES (447-2537), option 1.

John Hancock

Update as of June 25, 2020:

To our valued distribution partners,

As a leader in innovation and digital transformation, our goal is to offer you the most modern and efficient solutions to help streamline how you do business. In recent months, mindful of the challenges you have faced, we have accelerated our digital health data strategy to offer you alternative ways to access information.

We are pleased to let you know we are experiencing favorable outcomes from our collaborations with Human API and Clareto. By enabling access to digital health information in real time and reducing the wait time for medical records by as much as 30-45 days, these digital platforms are expediting the underwriting process and significantly improving the client experience. We encourage you to explore these capabilities and see how they can make the application process easier for you and your clients. Meanwhile, we will continue to explore additional solutions, including new ways to access digital health information, and will update you as new offerings become available.

Additional underwriting updates:

  • We are excited to announce availability of facultative capacity up to $40M, up to and including age 59.1
  • In addition, we have resumed accepting and processing applications on individuals up to and including age 90.2

On behalf of everyone at John Hancock, thank you for your partnership. We look forward to continuing to serve you and your clients and welcome your feedback on ways we can improve our processes.

Please check JHSalesHub.com/COVID-19 regularly for information related to doing business with us at this time.

John Hancock Underwriting and COVID-19 as of April 8, 2020

1. John Hancock’s Human API portal now available to all distribution partners
In order to expedite the underwriting process for cases where medical records cannot be accessed through traditional channels, your clients can now provide John Hancock Insurance direct access to their health records through our Human API patient portal. You can begin offering this new capability on Monday, April 13, 2020. Please see additional details here.

2. Updates on older-age underwriting (80+)
During this unique time, John Hancock will not be making final underwriting offers on cases where the applicant is 80+. We are happy to continue to receive and review submissions for these clients with the goal of moving on them quickly when circumstances change. For any pending submissions in this age group with a formal application and a final underwriting offer, you can expect a call from your John Hancock underwriter shortly to discuss next steps.

Lincoln Financial

Update as if August 10, 2020

Updated COVID-19 Temporary Underwriting Guidelines
Revised effective August 10, 2020
In April 2020, Lincoln implemented temporary underwriting guideline changes applicable to all pending and new submissions of Lincoln individual life insurance policies, including Lincoln MoneyGuard®. These changes were put into place to effectively navigate the risks associated with the pandemic. As we continue to monitor the external environment, we remain committed to upholding our leading-edge underwriting principles while ensuring we’re operating responsibly.
Effective August 10, 2020, Lincoln’s COVID-19 temporary underwriting guidelines have been revised. We will continue to re-evaluate our position with changes in the current environment, as the COVID-19 pandemic evolves and/or as the Centers for Disease Control and Prevention (CDC) and World Health Organization (WHO) give further guidance.
PLEASE NOTE: These changes are temporary, subject to change, and will override any underwriting guidelines currently published in Lincoln’s marketing or reference material.

LFG UW update 8-10-2020

Lincoln Temporary Underwriting Guidelines 4-13-20

Lincoln’s Internal Retention will be reduced to the following limits:

      • $5 million maximum limit for term and permanent products
      • Available up to age 65 only
      • Preferred Plus, Preferred and Standard rate classes only

Temporary Table Reduction Program Guidelines:

      • Ages up to 65: No changes to current TRP guidelines
      • Ages 66-70: Limited offers with consideration up to Table 2 only. All other classes will be postponed
      • Ages 71 and up: No changes to current TRP guidelines; TRP not available

All cases meeting the following criteria will be postponed:

      • Ages 65 and under, rated Table 5 and higher
      • Ages 66-79, rated Table 3 and higher
      • Ages 80-85, all classes

Mutual of Omaha

Mutual of Omaha Underwriting Updates

Wednesday, April 15, 2020, we are implementing the following temporary changes to our life insurance underwriting guidelines. These changes apply to all fully-underwritten life insurance cases that are not already approved or issued. This includes any newly submitted and pending in-house cases, whether formal or informal.

  • Postponements Due to International Travel
    All fully-underwritten life insurance cases where the proposed insured has plans to travel internationally between now and the end of the year will be postponed. These postponed cases may be considered after all international travel is complete, the proposed insured has been back in the United States for a minimum of 30 days, and no further international travel is planned this year.We will continue to monitor this situation and make adjustments as warranted.
  • Postponements Based on Insured’s Issue Age
    We will be postponing all fully-underwritten life insurance cases in the following categories:

    • If the individual is age 70 and above
    • If the individual is age 60-69 and is rated greater than a Table 2. We will also be temporarily suspending the FIT Underwriting Credit Program for all insureds age 60-69.

As COVID-19 cases increase within the United States and around the world, Mutual of Omaha is issuing the following underwriting guidance on new and pending applications for life and health products, effective immediately (Note: Health products include Accidental Death, Long-Term Care, Disability Income, Critical Illness, Cancer, and Heart Attack & Stroke. This does NOT apply to Med Supp applications.):

  • If the proposed insured or any member of his or her household has traveled or resided outside of the United States within the past 30 days, the application will be postponed until 30 days following their return.
  • If the proposed insured or any member of his or her household has come into close contact with anyone known to the insured to have tested positive for COVID-19, the application will be postponed until 30 days following their exposure.
  • In addition, anyone testing positive for the COVID-19 virus or those who have been hospitalized or quarantined for the virus will have their application postponed for a minimum of 90 days.

Nationwide

Nationwide Underwriting Changes

Given the challenges of collecting information for underwriting, submitting applications via our Nationwide Intelligent Underwriting process is the best choice. Our Intelligent Underwriting process is being expanded to allow increased acceleration rates for qualifying clients, including those qualifying for the Standard rate class. Additionally, we will consider alternative sources of medical information when an exam is necessary for both traditional business and for our Intelligent Underwriting process. Here’s what’s changing:

  1. Health records and results — If acceleration is not possible and alternative sources of data are insufficient, we will consider client-provided personal health records and exam results that have been completed within the past 24 months.
  2. Medical requirement substitutions — Until further notice, the following acceleration guidelines are acceptable underwriting solutions:
    • Face amounts
      Age 18 to 50: $100,000 to $2 million
      Age 51 to 60: Up to and including $1 million
      – Now allowing Standard or better risk classifications
      – If exams are needed, we will consider a completed physical, including labs, with all results normal within the prior 24 months
      – We can confirm the exam and lab results through digital health data
    • Face amounts
      Age 18 to 50: Over $2 million
      Age 51 to 60: Over $1 million
      – Case meets regular accelerated underwriting guidelines for eligibility
      – Applicant has had a complete physical, including labs, with all results normal within the prior 24 months
      – We can confirm the exam and lab results through digital health data
      – Standard or better risk classifications only
  3. Digital health data and attending physician statements (APS) — We are rapidly implementing solutions that will provide alternate sources of underwriting data in lieu of labs, exams and medical records.

    Cases that don’t meet these conditions will be considered on an individual case basis. Our underwriters are proactively reviewing new cases to identify options that may be available to continue underwriting without exam requirements and notify you of available options.

  4. Important note about new customers — Our Life Underwriting team is closely monitoring new customers who apply for life insurance, especially those who may have traveled where the risk of COVID-19 is highest. We may delay those applications for 30 days or request additional testing of those applicants.
  5. Important note for existing customers — We want to ensure that customers don’t suffer additional hardship as a result of the COVID-19 pandemic. If you are aware of customers who require assistance with the payment of their insurance premium due to COVID-19, please contact us.

North American

Update as of June 18, 2020

Underwriting updates: WriteAway® in California, Requirements for ages 61 – 70
WriteAway, North American’s accelerated underwriting program, is coming to California! This new process will be available beginning June 27, 2020.
Learn more about underwriting updates 
Juvenile applications on SimpleSubmit® in California
Effective June 27, 2020, juvenile applications will be accepted through SimpleSubmit in California. Now agents can use the same efficient platform to provide needed coverage for their clients’ children.
Learn more 
Waiver of Surrender Charge Option Rider Available in California
North American is pleased to announce that the Waiver of Surrender Charge (WoSC) Option Rider will be available on the Smart Builder indexed universal life (IUL) insurance product in the state of California beginning June 29, 2020.
Learn more 

One America

As of April 22, 2020:
COVID-19 Update: Temporary Changes to Our Business Limits

As we continue to monitor the challenges of the COVID-19 pandemic, we remain committed to operating in an informed, responsible manner that upholds our commitment to maintaining financial strength. These decisions help ensure that we continue to be there for our customers when they need us the most.

With that in mind, we believe it’s prudent to make a few temporary changes to our business limits. These changes only apply to business received after May 1.

Our new guidelines are as follows:

Care Solutions Business

For Care Solutions, the temporary changes to our business limits include:
• Ages 70 and above
o Only single pay is allowed
o COB must also be single pay
o Annuity-Funded Whole Life and Asset Care 2 & 3 remain available
o The full suite of Annuity Care products remains available (COB pay periods remain as they are today on annuities)
o No rated cases allowed
o We are suspending the following:
 Asset Care Recurring Premium Whole Life
 Asset Care 4
 Asset Care with Return of Premium
• Ages 69 and below
o No changes to current guidelines
For ages 70 and above, cases not meeting these criteria will be postponed.

Certificates of Insurability

For all underwritten products, both traditional and Care Solutions, we will require a Certificate of Insurability (COI) upon policy delivery for all sales — both Cash on Delivery (COD) and Cash with App (CWA). The COI or Statement of Health is included with the policy delivery packet and can also be found on the OneAmerica FormsPipe library. The COI must be received before the policy can be put in force/paid.

Thank you for all your efforts to serve your clients, and for adapting alongside us in this rapidly changing environment. We appreciate your commitment and are deeply grateful for your business.

Pacific Life-Promise

As of July, 13 2020:

Pacific Life continues to monitor the COVID-19 pandemic, and through it all, we are committed to supporting your needs as you service your clients during this extraordinary time. The following guideline changes are temporary and intended to assist your clients in getting the life insurance protection they need without significant delays.

Important Note: This reflects an update to our May 4, 2020 communication.

Revising Age Limits 
We are now able to extend offers to PL Promise GUL* and PL Promise Term applicants who are:

    • Aged 71-80 at Standard or better risk class, and
    • Aged 70 and below up to Table Four.

We will not accept any new applications outside of that criteria until the temporary restrictions are lifted.

As of May, 5 2020:

Underwriting Updates: COVID-19

Pacific Life continues to monitor the COVID-19 pandemic, and through it all, we are committed to supporting your needs as you service your clients during this extraordinary time. The following guideline changes are temporary and intended to assist your clients in getting the life insurance protection they need without significant delays.

Important Note: This reflects an update to our
March 30, 2020 communication.

 

Revising Age Limits 
We are now able to extend offers to PL Promise GUL* applicants who are
aged 71-75 at Standard or better risk class.

As previously communicated, for applicants that meet either of the following criteria, we are temporarily postponing acceptance of PL Promise Term applications:

        • Individuals aged 71 and older; or
        • Individuals of any age rated worse than a Table Four.

We will not accept any new applications meeting the criteria until the temporary restrictions are lifted.

Important Note: The content below this point is consistent with our
March 30, 2020 communication.

 

Temporary Underwriting Requirement Adjustments
There may be situations where we are unable to obtain traditional medical requirements due to either vendor closure or limited staff. In those circumstances, we’re temporarily offering an alternative to underwriting for pending or newly submitted formal applications.

For applicants that meet all the following criteria, Pacific Life will use other available data sources to underwrite in lieu of in-person exams:

        • Applicants must be age 60 or younger.
        • Face amounts up to $1 million.
        • Standard or better risk classifications only. Applicants with a rating below standard will require normal exam requirements.

If we are unable to get adequate data from the data sources, Pacific Life may require traditional underwriting methods. Please contact us for more information, as this will be on a case-by-case basis.
Underwriting Vendor Updates
Current social distancing requirements are changing how we complete underwriting requirements. As the situation quickly shifts, we are closely monitoring announcements from our underwriting vendors as well as local and state governments. To see the most up-to-date operational status of our underwriting requirements vendors, you can access the “COVID-19 Vendor Status Report” available on http://producerbay.pacificlife.com/ in the “Featured News” section or by bookmarking this link: http://www.marketing.pacificlife.com/documents/MasterLinks/COVID-19VendorStatus-external.pdf.

Paramed Exam Process Updates
To promote the safety of your clients as well as the medical examiners, when scheduling appointments to complete paramed exams, our vendors will ask whether—within the last 14 days—the applicant has exhibited signs of fever or respiratory distress, traveled to a travel ban country, or has had close contact with someone who has. If the applicant provides any information that indicates possible exposure, the appointment will be rescheduled 15 or more days out. During the call to access the applicant’s potential exposure, the examiner will also clearly confirm the same information for themselves, so that your clients can be assured the examiner has not been exposed.

Temporary Underwriting Guidelines

        • Applicants Traveling From Travel-Ban Countries—If an applicant has traveled from one of the travel-ban countries as found at the U.S. Department of State (Travel.State.Gov), a 30-day delay period will apply:
                • After the 30-day delay period, if the individual tests negative for COVID-19 and is cleared, an application may be submitted or a policy delivered.
                • After the 30-day delay period, if the individual tests positive for COVID-19, a statement must be received from a physician stating the virus has been cleared and is required prior to submitting an application or delivering a policy.
        • A Certificate of Health or Good Health Statement is required on delivery for either of the following:
                • Applicants age 60 and older if the face amount is $250,000 or higher.
                • All rated policies, regardless of age or face amount.

Ongoing Support and Service
We are supporting our employees by ensuring they are set up to work in a safe and effective work-from-home environment and are pleased to report that our work force is fully operational in a remote capacity. You may experience additional wait time as you call to talk with a representative from Pacific Life, but know we are answering calls and are available to answer your questions.

Grace Period Extensions
To further assist policyholders, Pacific Life is complying with all applicable state disaster relief regulations and bulletins. This includes grace period extensions for impacted policyholders. If your clients are experiencing a hardship and having difficulty paying their premium due to the COVID-19 pandemic, please have them call our customer service representatives to discuss options.

Policy Delivery
Pacific Life offers the ability to deliver policies electronically using our intuitive and easy-to-use, in-house ePolicy Delivery solution. Throughout the electronic process, all participants are notified of to-do tasks, status, and issues via email. With ePolicy Delivery, customers can:

        • Review policy package, delivery requirements and payment plan
        • Complete the payment plan for initial premium and recurring payments
        • eSign all necessary documents
        • Return delivery requirements
        • Minimize re-issue delays
        • Request delivery extensions electronically.

Claims
We have received several inquiries about how claims related to COVID-19 will be administered. Pacific Life insurance policies do not contain an exclusion for pandemics. All claims received will be processed in accordance with our normal procedures

Principal

Update as of July 31, 2020

    • Drop ticket is required for certain term business. All Principal® Term applications with face amounts of $500,000 and less must be submitted via drop ticket, except for cases where the insured is a resident of New York.
        • This electronic fillable short form allows you to quickly provide basic client information. And once you drop a ticket, your client receives an email link so they can complete the rest of the application online. This seamless process helps expedite policy-issue by ensuring more complete and accurate application information, usually resulting in fewer underwriting follow ups.
        • This new requirement is effective immediately. But to allow you time to transition for cases you’re currently working on, we’ll accept any paper application or E-App received in the home office by Sept. 1, 2020.
        • This overview provides more details on how the drop ticket process works.
    • Informal application guidelines are adjusted. Effective immediately, the required minimum face amount for an application increases from $1 million to $3 million. Additionally, the maximum insured age for Principal Survivorship Universal Life Protector IIISM applications is now 75.
        • These changes apply to both new informal applications and those we’ve previously received but haven’t yet completed.
        • The new face amount minimum applies to all products and application states. For cases below the minimum, Quick Quote is available. This option provides a tentative risk assessment based on a brief summary of pertinent medical information you provide via an email request.

Temporary Adjustments to Life Insurance Underwriting

Applicant ages 18-40

      • For face amounts up to and including $1,000,000 – no change to Accelerated Underwriting program
      • For face amounts from $1,000,001 to $2,500,000, and meets the following requirements: Case meets regular Accelerated Underwriting guidelines for eligibility
      • Applicant has had a complete physical, including labs, with all results normal within the prior 24 months
      • We can confirm the exam and lab results through digital health data How we’re handling the grace period for your clients

Applicant ages 41-60

      • Face amounts up to and including $1,000,000 – no change to Accelerated Underwriting program
      • Face amounts from $1,000,001 to $2,000,000, and meets the following requirements:
            • Case meets regular Accelerated Underwriting guidelines for eligibility
            • Applicant has had a complete physical, including labs, with all results normal within the prior 24 months
            • We can confirm the exam and lab results through digital health data

Protective

Update as of July 28, 2020

Age and Rating Limitations

  • Age 80+: Postpone (no changes to this category)
  • Ages 70-79: Must be Standard or better (removed underlying condition limitations)
  • Ages 60-69: Must be Table 4 or better (removed underlying condition limitations)
  • Ages 0-59: Will consider all risks through Table 4 (Minor changes outlined below)
    • Applicants age 0-59 who are rated over Table 4 will be considered on a case-by-case basis if there is no significant underlying medical condition or treatment that makes them more susceptible to COVID-19 death. These medication conditions and treatments include, but are not limited to:
      • Heart Disease
      • Significant Cancer in the last 10 years
      • Obesity rated higher than table 4
      • Diabetes
      • Pulmonary disease (COPD, Asthma, etc.)
      • Autoimmune or Immunosuppressive Disease
      • Any medication that causes immunosuppression (Biologic, Prednisone/Steroid, methotrexate, etc.)

Temporary Life Insurance Underwriting Guidelines

Age and rating limitations:

        • We will postpone coverage on individuals who are age 80 and above.
        • Ages 70-79: Applicants must qualify for Standard rating or better and have no significant underlying medical condition or treatment that makes them more susceptible to COVID-19 death. *
        • Ages 60-69: Applicants must qualify for Table 4 rating or better and have no significant underlying medical condition or treatment that makes them more susceptible to COVID-19 death. *
        • Ages 0-59: Protective will consider applicants with all medical impairments through Table 4. Applicants rated over Table 4 will be considered on a case-by-case basis if the individual has no significant underlying medical condition or treatment that makes him or her more susceptible to COVID-19 death. *

* The medical conditions and treatments referred to above include, but are not limited to:

          • Heart disease
          • Significant cancer in the last 10 years
          • Diabetes
          • Pulmonary disease (COPD, Asthma, etc.)
          • Autoimmune or Immunosuppressive Disease
          • Any medication that causes immunosuppression (Biologic, Prednisone/Steroid, Methotrexate, etc.)

These temporary changes apply to all new or pending cases with no final underwriting offer or outstanding underwriting requirements. They do not apply to issued or approved cases that are awaiting policy issue requirements, including a Statement of Health.

As a reminder, we have a COVID-19 Resource Center (https://www.myprotective.com/COVID-19/) that you can visit for the most up-to-date information from Protective.

The Path to Efficiency- Electronic Applications

Using TeleLife with EZ-App

PLUS Eligibility Checklist

ePolicy Delivery Getting Started Guide

Prudential

COVID-19 Update – Underwriting Procedures

Important Individual Life Portfolio Updates

New Business and Application Transition

      • Term Essential and Elite 30:
            • Applications will not be accepted for Term Essential 30 or Term Elite 30 with an application signed date on or after 4/27.
            • Formal applications will need to be signed on 4/26 or earlier to be considered. o Applications signed on 4/26 or earlier must be received in the home office by 5/4.
            • Unplaced changes of previously underwritten policies or applications still in underwriting may not be changed to Term Essential/Elite 30 on or after 4/27.
      • For UL product premium restrictions:
            • To have an application submitted without the premium restriction, it must have an illustration produced on 4/12 or earlier, AND the application must be signed 4/26 or earlier, AND the application must have a home office receipt on or before 5/4.
            • Informal inquiries are subject to the limitations, unless replaced by a formal application submitted and following the dates above.
            • For policies not subject to the above limitations and issued other than as applied, required revised illustrations will be supplied through the home office
      • Applications Without Ownership Arrangements:
            • Formal applications without ownership arrangements (Preliminary applications, trial application and where a Trust is TBD) must be replaced by a final formal application by the end of the transition period

Securian

Securian Financial Underwriting Update

WriteFit Underwriting available exclusively through eApp
When you submit life insurance business using our eApp, you and your clients can take advantage of the WriteFit Underwriting™ program.

Which means some of your clients may not need to undergo labs. Plus, they can get a faster decision and benefit from an overall improved experience compared to paper applications.

Clients may be eligible for WriteFit Underwriting if they are:

      • Applying for a face amount up to $3 million1
      • Submitting an application through eApp
      • Using the tele-interview process2

WriteFit1

        • The maximum face amount for WriteFit applicants ages 18 through 50 is being increased from $2 million to $3 million. Applicants ages 51 through 60 continue to be eligible for up to $1 million of coverage via the WriteFit platform. Eligibility for WriteFit is determined by answers to the tele-interview.

Traditional Life Underwriting (includes underwritten policy changes)

        • Insurance ages 71 and older: new applications will not be accepted. Currently pending applicants rated standard or better will be issued. Currently pending applicants who are rated worse than standard will be postponed until at least June 15, 2020.
        • Insurance ages 61 through 70: offers for new and pending applicants who are rated Table B or worse will be postponed until at least June 15, 2020.
        • Insurance ages 51 through 60: offers for new and pending applicants who are rated Table C or worse will be postponed until at least June 15, 2020.
        • Insurance ages 50 and younger: offers for new and pending applicants who are rated Table G or worse will be postponed until at least June 15, 2020.
        • Money will not be accepted with new applications until at least June 15, 2020, and temporary insurance agreements will not be available during this time.

SecureCare Universal Life (UL) Underwriting

        • Insurance ages 71 and older: new applications will not be accepted. Currently pending applicants with mortality assessed at standard or better will continue to be underwritten. Currently pending applicants with mortality assessed worse than standard will be postponed until at least June 15, 2020.
        • Insurance ages 70 and younger: mortality evaluation will need to be standard or better for a SecureCare UL policy to be issued. Applicants who would be table rated for mortality purposes will be postponed until at least June 15, 2020.
        • Money will not be accepted with new applications until at least June 15, 2020; and temporary insurance agreements will not be available during this time.

Symetra

Updated as of June 29, 2020

Enhancements our underwriting requirements and preferred guidelines
At Symetra, we’re always looking for ways to enhance our underwriting and new business capabilities. We recently reviewed our underwriting requirements and preferred guidelines to see where we can make improvements, and we’re pleased to announce the following changes:

  • EKG requirements have been removed for clients in these categories:
    • Ages 41-50 with face amounts of $5 million to $10 million
    • Ages 51-69 with face amounts of $250,000 to $5 million
  • Rx checks will be automatically ordered for all cases.
  • NT proBNP will be ordered on most blood profiles for cases over age 50.

For more information, please review our updated underwriting requirements and preferred guidelines (PDF).

Transamerica

Update as of April 28, 2020:

We’re making important changes to help keep your business running strong during uncertain times. Our new nonmed requirements will help you minimize face-to-face interactions, avoid traditional requirements, and most importantly, get policies placed quickly.
Here’s what we’ve done to give you and your clients more options and flexibility.
For clients up to (and including) age 55:
1. Changes to traditional paramed requirements
Up to $2,000,000 with best risk class available. For your clients who have visited their doctors regularly, or have paramed from previous carrier.
Submit Transamerica Nonmedical Application Part 2, along with:
Paramed and labslip/labs completed for another carrier within the past 12 months
OR
Primary care physician exam and labs from within the past 12 months
Tip: Acceptable labs must include lipids, liver function tests, kidney function, and glucose. Measured height and weight must be included in the exam/physical notes.
2. Nonmed underwriting limits
Up to $1 million
Transamerica Financial Foundation IUL® and Transamerica LifetimeSM whole life: Preferred NT/Tobacco
Trendsetter® Super: Standard Plus/Standard smoker
Trendsetter LB® (Face $250,000 and above): Standard Plus/Standard smoker
Trendsetter LB: (Face $100,000-$249,999): Standard nonsmoker/Standard smoker
Submit Transamerica Nonmedical Application Part 2
For Transamerica Financial Foundations IUL, use the long app form U327, to include all medical questions
For Trendsetter Super/Trendsetter LB, use the Transamerica nonmed part 2
Tips
Must specify in agent remarks or agent page that nonmed option is wanted
Do not order exam/labs
Do not apply for the top 2 rate classes (not available with the nonmed option)
Your clients have the opportunity to come back and have a year fully underwritten at our expense for best class consideration (with no adverse impact on current risk class).
3. Our fully underwritten option with our typical nonmed policies
Clients age 56–75:
Normal underwriting requirements
Transamerica Lifetime allows for fluidless underwriting, up to $499,999 and up to age 65
If rated over Table B for cardiac, cancer, diabetes, hypertension, or respiratory conditions, a referral to our medical department will be required
Living benefit and LTC Riders are NOT currently available for this age group
Clients age 76+:
Due to circumstances stemming from COVID-19, Transamerica will not be accepting applications at this time on clients over the age of 75 for all life insurance products.

Updated Underwriting Guidelines

    • Starting on 4/8/2020, these new guidelines will be in effect until further notice for Trendsetter® Super, Trendsetter® LB, Transamerica Financial Foundation IUL®, and Transamerica Lifetime℠ current medical guidelines for clients through 75 years old
    • Traditional paramed exams and labs will still be accepted at the current medical guidelines for clients under 75 years old — the following chart outlines options in lieu of the traditional paramed requirements
    • Due to the circumstances around COVID-19, Transamerica will not be accepting applications on clients over the age of 75 for all life insurance products and unable to offer LTC Riders or Chronic or Critical Living Benefit riders on individuals ages 56-75 on all products and face amounts
    • Requests to reduce face amounts to nonmed levels to waive medical requirements will be honored; contact your Underwriter to request this

Carrier Announcements

Allianz

Allianz as of April, 2020:

American National

American National COVID-19 FAQs April, 17 2020

Update as of April 8, 2020:

Exams and Physician Records Difficult to Obtain?

In an effort to help more of our customers obtain the life insurance coverage their families need, American National is temporarily expanding its acceleration criteria in order to approve about 50% more cases without the usual medical exam and APS requirements. These changes are not applicable in New York.
In order to expedite these additional cases:

      • Ages 50 and below
      • Face amounts $100,000 to $1,000,000
      • Paper and Electronic applications
      • Many will have automatic table ratings applied
      • If medical exam or APS can be obtained at a later date, we will re-underwrite to see if better class is warranted.

Effective April 1st:

      • All new business (excluding New York)
      • Including all cases that were submitted in February and March that are still pending an exam or APS
        (excluding New York).

American National as of March 25, 2020:

COVID-19 Faqs

Updates as of April 2, 2020:

Xpress & Xpress Plus

Exams and Physician Records Difficult to Obtain?

In an effort to help more of our customers obtain the life insurance coverage their families need, American National is temporarily expanding its acceleration criteria in order to approve about 50% more cases without the usual medical exam and APS requirements. These changes are not applicable in New York.

In order to expedite these additional cases:

        • Ages 50 and below
        • Face amounts $100,000 to $1,000,000
        • Paper and Electronic applications
        • Many will have automatic table ratings applied
        • If medical exam or APS can be obtained at a later date, we will re-underwrite to see if better class is warranted.

This is effective beginning April 1st to the following:

        • All new business (excluding New York)
        • Current pending underwriting approval business starting with March submitted cases (excluding New York)
As a reminder, the regular rules of our Xpress and Xpress Plus accelerated underwriting programs still apply and have the potential to issue cases up to $1,000,000 at preferred plus rates without any medical underwriting.
Xpress
Unique to Xpress (formerly Underwriting Express)

        • Paper & Electronic Apps
        • Issue Ages: 0 – 65
        • Face Amounts: Up to $249,999
        • Underwriting Classes: Standard & Substandard
Xpress Plus
Unique to Xpress Plus

        • Electronic Apps Only
        • Issue Ages: 18 – 60
        • Face Amounts: $250,000 – $1,000,000 (ages 18 – 50) or $250,000 – $500,000 (ages 51 – 60)
        • Underwriting Classes: Preferred Plus, Preferred, Standard Plus, and Standard2
Program Similarities
        • Available for all individual life insurance products
        • No Automatic Exam Required: Need for an exam is determined based on answers to the application, MIB, RX, and Risk Classifier.1
COVID-19 LATEST UPDATES

Assurtiy

Assurity COVID-19 FAQs

Update as of April 17, 2020:

Effective immediately, a COVID-19 Questionnaire is a
requirement of application for all individual life insurance
coverage until further notice. A sample copy of the
COVID-19 Questionnaire as approved in the Interstate
Insurance Compact is attached here (forms may vary by
state).
This COVID-19 Questionnaire is available and is associated
with each Assurity life insurance application in the iPipeline
forms repository, but is not included as part of the application,
so requires separate download.
This questionnaire is not currently incorporated in our eapplication
flow with iPipeline or our accelerated underwriting
process.
Any applications submitted to Assurity electronically through
iPipeline will trigger a separate email communication from
Assurity to the proposed insured(s) at the email address
provided in the application advising them of the need to
complete the questionnaire and instructions to do so with
signature and return back to Assurity via DocuSign.
If the application includes an Other/Additional proposed
insured, please include the email address for Other/Additional
proposed insured in agent comments with application
submission.
ALIC email.htm[4/17/2020 7:58:41 AM]
Please advise your clients to look for this email from Assurity
and complete promptly to avoid processing delays as all
underwriting decisions require its completion.
Proposed insureds not willing to adopt the e-sign process for
completion of the questionnaire can, at their request, be
mailed a paper form for completion and return.
Applications being completed entirely in paper format should
be submitted along with the COVID-19 Questionnaire
completed for all proposed insureds to avoid processing
delays.
Please call customer connections at 800-276-7619 ext. 4264,
if you have any questions.

Assurity’s COVID-19 Response

We hope you and your family are healthy and holding up well through the uncertainty surrounding the coronavirus (COVID-19). While COVID-19 is causing disruption in our communities, we’re committed to making sure you have the protection and support you need.

The information found here provides guidance relative to the COVID-19 situation as it currently exists. Updates will be made as conditions warrant.

Assurity has a team of subject matter experts monitoring and responding to the coronavirus situation as it develops. Assurity remains committed to providing superior service to our customers and is committed to preventing any interruption in our business processes.

Assurity has the vast majority of our associates now working from home, with social distancing practiced for our associates needed on site. All associate business-related travel is prohibited, in favor of technology-enabled meetings. We appreciate your understanding and patience as our associates acclimate to completely remote work.

We know many of our policyowners face challenges due to COVID-19. Assurity is working to revise practices to the extent possible to help policyowners keep policies from cancelling for nonpayment of premium.

Currently, Assurity has extended the normal premium grace period for all policies by an additional 30 days. As more state guidance and mandates are issued, those will be implemented. We want to work with policyowners where possible to keep coverage in place, so please reach out to us regarding your specific circumstance at 800-869-0355.

Underwriting decisions for individual life, disability income or critical illness insurance will be postponed for any applicant diagnosed with COVID-19 prior to or during the underwriting process, until recovery from the virus is documented by a clinical physician, preferably including a negative test. Any documented residual effects of the virus will be considered in the ultimate underwriting decision. COVID-19 diagnosis and treatment is subject to disclosure on the application for insurance.

Underwriting decisions for individual life, disability income or critical illness insurance will be postponed for 30 days for any applicant’s known exposure to COVID-19, but undiagnosed.

Applicants for life, disability income, or critical illness insurance who have traveled to COVID-19 related Warning Level 3 or Alert Level 2 countries outside of the United States in the past 30 days, or plan to travel to those areas in the next 6 months, will be subject to postponement of the underwriting decision until 30 consecutive days have passed since the applicant’s return to the United States.
All age and amount guidelines for examinations and labs continue to be applicable. If required paramedical examinations or lab testing is not currently available in the region, or the applicant is uncomfortable completing due to the COVID-19 pandemic, the underwriting process will proceed as follows:

            • The underwriter will notify the agent of the maximum amount of coverage available for the applicant without examination or labs, if any.
            • If the applicant wants to proceed with the reduced coverage amount, underwriting and issuance will continue accordingly.
            • If the applicant wants to increase coverage in the future when paramedical examination services and lab testing are available, the agent will need to contact Assurity for scheduling, underwriting and reissue.
Assurity does not currently offer e-delivery of policies. But, there are options for policy mailing destinations in light of agent/agency concerns that offices may close or agent delivery of policies may be undesirable or impossible.

Agencies and agents that currently have policies mailed to them for personal delivery to the policyowner may request a change to have all policies mailed directly to policyowners. On policies with delivery requirements, agents should follow up with clients to ensure completion and return to Assurity. We will provide a postage-paid return envelope for those policies mailed directly to policyowners with delivery requirements. Assurity is temporarily waiving any agent signature normally required on delivery documents when the policy is mailed to the policyowner directly. The time period for return of delivery requirements is being extended from 45 to 60 days.

It is also possible for an agency or agent to request policy mailings directly to policyowners on a one-off policy by policy basis, leaving all others mailed to the agency or agent. Please contact Underwriting at underwriting@assurity.com for these policy requests.

Remember the status of all new business applications can be accessed on AssureLINK, including information on any delivery requirements. Policy information on all inforce policies is also available to associated agents on AssureLINK. And, although the actual policy is not available for viewing online, once activated, as long as the policyowner knows their policy number, either by receiving their printed policy in the mail or as communicated to them by their agent, policyowners may view a summary of their coverage by creating an account at MyAssurity.com.

Should you have agencies and/or agents that wish to make changes to their policy delivery destinations, please just have them contact Amanda Crume directly at acrume@assurity.com or 800-276-7619, ext. 4615.

Assurity sells many types of life and supplemental health insurance. Coverage and benefit determinations are always based on the specific policy provisions and require submission of a claim, at which point the specifics of the policy are reviewed. Assurity encourages policyowners questioning whether COVID-19 related benefits are available to either access claim forms by visiting Assurity.com or MyAssurity.com, or call us at 800-869-0355 for assistance.

Generally speaking, the following is applicable to COVID-19 related coverage for the following types of insurance:

Disability Income Insurance

A COVID-19 diagnosis is treated as any other sickness. If the definition of disability and the elimination period are satisfied, and all other policy provisions are met, COVID-19 related claims would generally be eligible for benefits. Simply being quarantined due to COVID-19 circumstances or exposure, without diagnosis and sickness, does not meet the definition of disability.

Critical Illness Insurance

COVID-19 is not a covered condition under our Critical Illness products.

Life Insurance

A death claim following a COVID-19 diagnosis would likely be payable assuming all other provisions of the policy are met.

Accidental Death or Accidental Death & Dismemberment

A COVID-19 diagnosis or death resulting from COVID-19 is not a covered condition under our Accidental Death or Accidental Death & Dismemberment coverages.

Banner (Legal & General)

COVID-19 Banner Resource Page

Update as of April 15, 2020:

It’s here. Legal & General America’s new digital application will make doing business with us easier, faster, and better, whether you submit business through Partner Dashboard, iPipeline or other drop-ticket platforms.

We’re excited to offer a new way of doing business for our partners and customers. Thank you to all who attended our webinar this week to learn about our new digital application process and the many benefits for you and, most importantly, your clients.

    • Gives clients the flexibility to complete the entire application on-line in under 20 minutes or over the phone
    • A streamlined digital application process supported by faster and better automated underwriting
    • Reflexive questions in the application reduce the need for exams and labs
    • Your business processed faster from start to finish

Producers can start utilizing all the benefits of our new application through Partner Dashboard right now and through iPipeline on April 23rd, with others to follow. The new application is available for Banner Life business only at this time.

Additional Resources Now Available
Missed the webinar? No problem. We’ve added all the materials incuding videos, the webinar presentation, a program overview flyer and more to the Advisor section of our website. Check it out.

Thank you again for your partnership as we roll out this new way of doing business.

DIGITAL APPLICATION RESOURCES

Underwriting changes as of April 8, 2020

***Important*** Underwriting changes as of April, 1 2020

Banner as of March 24, 2020:

We Make it easy to do business

Equitable (AXA)

Equitable as of April 1, 2020:

Addressing Market Volatility Concerns

Managing the Impact of Market Volatility

In response to the challenges that COVID-19 and social distancing have presented to the life insurance application process, here are some important changes and tips to help keep your applications moving forward.

New applications

    • Use your BGA eApp platform for all new Equitable applications1.
    • Use our carrier eApp platform for all new applications1; eApp functionality is available via www.equitable.com.
    • Use DocuSign for signatures2.

Signature on forms other than applications

    • Use DocuSign for signatures2.
    • We will accept pictures of signed forms. (preferably in .pdf or .tiff format)
    • When multiple parties are required to sign the same form, we will accept separate pages signed by each party. (e.g. Policy Delivery Receipt) We will not require all signatures to be on the same page.
    • When forms have multiple pages (e.g. Illustrations3), we will accept just the signature page. We will not require all pages to be returned to us.

Voided checks

    • When bank draft is elected, but banking information is missing on a signed Systematic Form, we will accept the missing information by email to your Relationship Case Manager and/or a phone call to your Relationship Case Manager. We will not require the actual voided check.

Case documents

    • The best way to ensure your documents are attached to the case is to upload them within the Equitable Distributor website portal.

Policies

    • Important change: Paper policies are normally mailed to the Brokerage General Agencies office address. We are redirecting the mailing of policies to go directly to the client with a .pdf of the policy and delivery forms emailed to the Brokerage General Agency. If you do not want this redirection, please email your Relationship Case Manager with instructions to continue to mail policies to the Brokerage General Agency.

Thank you for your business, and we will continue to look for innovative ways to support you and your clients during these challenging times.

Global Atlantic

Update as of April 15, 2020:

We have been monitoring the environment related to the COVID-19 pandemic and the impact on our business. As a result, we are making some additional adjustments to our underwriting guidelines and products. Effective immediately we are implementing the following temporary changes to our underwriting guidelines and individual IUL products.

Note: These changes apply to all formal applications not already underwriter approved (or conditionally approved subject to nonmedical requirements) or policies currently out for delivery.

New temporary underwriting guideline changes specific to COVID-19:

    • Postponing acceptance of all new applications at age 70 and over.
    • Postponing applications for individuals up to age 69 with a rating class higher than Table 4.
    • Individuals with chronic underlying conditions at higher risk to COVID-19, including but not limited to, (obesity, cardiovascular disease, diabetes, lung disorders, cancer, and disorders requiring immunosupressive therapy) will be underwritten more prudently during this time.

The following product change is also effective immediately:

    • Annual premium limit has been lowered to $5 million per year on all Individual IUL products.

Click HERE to review our recent New Business & Underwriting communication announcing changes related to COVID-19.

For more information related to the Covid-19 emergency visit: www.globalatlanticlife.com/covid19

We are continuously monitoring the situation and will keep you informed of any additional changes. If you have questions, please reach out to your Global Atlantic underwriter or Regional Vice President.

Global Atlantic as of March 27, 2020:

At Global Atlantic, we understand the need to provide flexibility in how we process and underwrite new life applications for our distribution partners in order to help you better serve your customers during this uncertain time. All our teams, including operations and customer service, are fully operational and working remotely.

Effective immediately we will be implementing the following New Business and Underwriting guidelines, until further notice.

Updated New Business Guidelines

These New Business accommodations are temporary and may be withdrawn by the company at any time. Non-resident solicitation (cross border) rules and time-of-application requirements will continue to be strictly enforced.

Completing an Application and Submission

      • We will accept electronic signatures on new business paperwork signed via DocuSign or other approved vendors. Signatures will still be required for 1035 exchanges and replacement forms due to exchanging carrier requirements.
      • In addition to electronic submissions, we will accept applications by fax and email. You may fax or email them to: 1-800-262-6976 or newbusiness@gafg.com
      • We will also accept photographs of completed applications. Unclear pictures will be considered Not In Good Order (NIGO) and will require resubmission to finalize new business issuance.
      • If you are unable to meet with a client in-person to obtain their signed application, the application must be accompanied by a copy or photo of the applicant’s government-issued photo identification (e.g., driver’s license, state ID card, passport, etc.). If using Firelight, use the document upload feature to add this additional requirement.
      • If you are unable to meet with a client in-person, you must note this on the application Agent Report and describe in detail how you explained the product to the applicant. We encourage you to submit a cover letter containing this information.

Policy Delivery Requirements

      • There is no change to our 60-day delivery period. As usual, we will send you the issued policies for delivery to your clients and timely return of the policy delivery receipts. Effective immediately, for all cases we will require a Good Health Statement at policy delivery attesting that there has been no change to the applicant’s health. If you are unable to complete delivery due to the COVID-19 pandemic, please contact us to determine if the policies can be mailed directly to the policy owner.

Underwriting Requirements

      • Global Atlantic Underwriting has several programs available to utilize a “no exam, lab-free” opportunity
            • Accelerated Underwriting “Fast Lane Program” ages 18-60, up to $1 million
            • External Term Exchange Program, age 18-65, up to $1 million
            • Additional Insurance Program ages 18-65, up to $1 million
      • We are currently working to expand and enhance our Fast Lane Program using new underwriting tools – stay tuned!

Temporary Underwriting Guideline Changes specific to COVID-19:

      • For applicants age 18-60, up to $2 million face amount, if the applicant lives in a location where a paramed exam and labs cannot be completed, please contact your Global Atlantic underwriter to discuss other potential methods for providing the required underwriting information – for example, through submission of a physical examination and labs completed by a personal physician within the prior 12 months.
      • Underwriting offers for any permanent resident or U.S. citizen who has traveled outside of the U.S. within the past 30 days or has future plans to travel outside the U.S. will be postponed.
      • Individuals who have been exposed to COVID-19 or tested positive for COVID-19 will be postponed for 30 days and will be reconsidered subject to satisfactory evidence showing they have fully recovered. Individuals who have recovered after hospitalization for treatment for COVID-19 will be postponed for 6 months after treatment and reconsidered subject to satisfactory evidence showing they have fully recovered.

Global Atlantic Annuity

Global Atlantic Annuity as of March 31, 2020:

Given COVID-19’s social distancing recommendations, it may be necessary to conduct business using virtual face-to-face video conferences with clients. It is acceptable to use SnapApp or Firelight to complete your client’s annuity application virtually in a fast, easy, and secure process.
Benefits of using SnapApp

Electronic Signature – Clients sign either at the point of sale or via email
Intelligent Data Entry – Highlights required fields based on answers
Reduced NIGOs – Error indicators ensure forms are fully completed
State-Specific Forms – Automatically generate the applicable forms for state of issue
Requirements

We will accept electronic signatures with audit documentation (certificate of completion) on all new business documents. We recommend that you confirm the surrendering carrier will allow electronic signatures for transfers and exchanges.
You must provide the client an exact copy of any sales materials (e.g., sales collateral, product illustrations, etc.) that are discussed.
As needed, you and your clients may email clear pictures of completed new business documents along with a picture of your client’s government‐issued identification (e.g. driver’s license, state ID card, passport, etc.). Unclear pictures will be deemed Not In Good Order (NIGO) and will be rejected.
If you hold a video call with a prospect and at any time during the sales process, that prospect is not in their state of residence, it may be considered a nonresident sale. In that case, Global Atlantic’s cross border sales rules apply where applicable.
All applicable Global Atlantic policies and state requirements apply when conducting virtual business, just as in any sales scenario (e.g., training, licensing, information security, suitability, signature and delivery, etc.). Please reference the Fixed Annuity Guide to Suitability.
We’re here for you
Rest assured, you can continue to reach our Sales, Business Relationship Management, and Operations teams during normal business hours. We are committed to our customer’s experience.

We are following CDC guidelines and encouraging employees to follow our remote work procedures. These procedures have been well‐established over the years to ensure you continue to receive the same level of support in any environment.

Please contact Global Atlantic Sales or Business Relationship Management with any questions or if there’s anything more we can do to assist with your business needs during this unprecedented time.

Global Atlantic sales desk: (855) 44-SALES (447-2537), option 1.

John Hancock

Doing business in uncertain times

Automatic Reinsurance Capacity and Retention Limits

Update as of July 28, 2020

John Hancock Grace Period Accommodations

Since March, and in accordance with temporary state guidelines, we have provided premium payment accommodations to customers who have experienced financial hardship due to COVID-19. The majority of these temporary state guidelines have since expired. Going forward, we will continue to provide accommodations in accordance with individual state guidelines. We will continue to monitor all state guidelines and will keep you informed of any future developments.

Update as of April 13, 2020

Keeping business moving forward

 We recognize the importance of keeping business moving forward during these challenging times. To support you, we have created an information hub with operational and underwriting changes relevant to COVID-19. You will also find our most recent communications housed there. Please use this site as a resource to make it easier to find the information you need.

Starting today! John Hancock’s Human API portal available to all distribution partners

In order to expedite the underwriting process for cases where medical records cannot be accessed through traditional channels, your clients can now provide John Hancock Insurance direct access to their health records through our Human API patient portal. Please see additional details here.

John Hancock Vitality

Now awarding points for at-home workouts

As everyone adapts to a new normal, we realize your clients can’t get to the gym for their regular workouts. Which is why we now allow members to temporarily earn Vitality Points for at-home workouts. These points will also count towards Apple Watch payments. We shared this easy how-to guide with members to show them how to document their workouts and earn their points.

Product

Competition Corner: Protection IUL with the Long-Term Care (LTC) rider vs. Lincoln’s MoneyGuard

John Hancock’s Protection IUL with the LTC rider is well-positioned to compete against MoneyGuard. Learn more.

Protection UL with John Hancock Vitality PLUS and our Long-Term Care (LTC) rider is a powerful three-in-one solution that can help your life insurance clients protect their wealth and health for a lifetime.

Update as of April 8, 2020:

To our valued distribution partners,

At John Hancock, we continue to evaluate and adjust our underwriting practices to account for the unprecedented circumstances under which we are all working. Today, we have two important updates to share.

            1. John Hancock’s Human API portal now available to all distribution partners
              In order to expedite the underwriting process for cases where medical records cannot be accessed through traditional channels, your clients can now provide John Hancock Insurance direct access to their health records through our Human API patient portal. You can begin offering this new capability on Monday, April 13, 2020. Please see additional details here.
            1. Updates on older-age underwriting (80+)
              During this unique time, John Hancock will not be making final underwriting offers on cases where the applicant is 80+. We are happy to continue to receive and review submissions for these clients with the goal of moving on them quickly when circumstances change. For any pending submissions in this age group with a formal application and a final underwriting offer, you can expect a call from your John Hancock underwriter shortly to discuss next steps.

Please continue to check JHSalesHub.com/Covid-19 for the most current information and recent communications. Thank you for your continued trust in John Hancock. We are here to support you, your business and your clients.

John Hancock as of April 1, 2020:

At John Hancock Insurance we have taken the time to carefully review our underwriting practices to determine how we can evolve them in the current circumstances. While our normal underwriting practices continue, we are pleased to share three important ways we’re making it easier for you and your clients to secure coverage during these challenging times:

            1. Establishing an alternative to paramed and/or exam when not obtainable
              In cases where exams and labs are not possible, we may consider medical records as a substitute.1

                        1. For the following ages and amounts we will routinely consider recent and comprehensive medical records as an alternative to a current paramed or exam:
                                    1. Face amounts up to $5 million for ages 18-65
                                    1. Face amounts up to $3 million for ages 66-70
                        1. We may be able to apply this practice to face amounts up to $10 million for ages 18-60 and up to $5 million for ages 66-70, subject to individual case consideration

For these cases, medical records should include a comprehensive visit with a physical and labs within the last 12 months, accompanied by a completed Part II medical supplement form. All other submissions will be subject to routine age and amount requirements. Please contact your John Hancock underwriter with any questions.

            1. Expanding John Hancock ExpressTrack® streamlined underwriting process to include paper applications with no need for a telephone interview
              • Submissions must include the application (“Part I”), the medical supplement (“Part II”) and any other applicable authorizations
              • All application elements must be submitted simultaneously
              • The medical supplement (“Part II”) is not automatically included in the application kit and it should be completed by the agent
              • Please see below for ExpressTrack criteria and other submission methods
            1. Providing our capabilities for EHR access when APS is not available
              We recognize it is difficult to obtain attending physician statements (APS) at this time. John Hancock Insurance has electronic health record (EHR) access capabilities that can be utilized in some cases where an APS is not available. Please contact John Hancock Underwriting for details and availability.

In addition to these enhancements, below you will also find other administrative updates. We hope you find all this information useful as we navigate these unprecedented circumstances together.

Expansion of ExpressTrack process

To help you continue to place cases as quickly as possible, we’ve expanded the ExpressTrack process. 2 Here’s what you need to know:

            • NEW! As we mentioned above, the traditional paper application has been added as an ExpressTrack submission option. Please remember, all submissions must include the application (“Part I”), the medical supplement (“Part II”) and any other applicable authorizations, and all elements must be submitted simultaneously. No telephone interview will be conducted. Please note: the medical supplement (“Part II”) is not automatically included in the application kit and it should be completed by the agent.
            • JH Life eTicket, iPipeLine’s Drop Ticket and ApplicInt Multi-Carrier Drop Ticket for term will include a telephone interview with the client to complete medical questions
            • JH Paper Ticket for all single-life products including LTC rider will include a telephone interview with the client to complete medical questions
            • ExpressTrack is not available with iPipeline’s iGO eApp

ExpressTrack eligibility criteria remain the same:

            • Ages 18-60
            • Face amounts up to and including $3 million
            • All term and permanent single-life products, including the Long-Term Care rider
            • Standard or better risk class

All other submissions will be subject to routine age and amount requirements. Please contact your John Hancock underwriter with any questions.

Additional updates

COVID-19 requirements

            • A statement in the “Special Instructions” box in Part I, Section L of the application indicating whether or not each proposed insured or any household member has within the past 30 days traveled or resided outside of the US, has traveled by cruise ship, or has come into close contact with anyone known to the insured to have tested positive for COVID-19. If travel has occurred, the statement should indicate where they traveled and when they returned.3
            • For individuals who have tested positive for COVID-19, underwriting will be postponed for a minimum of 30 days post-recovery until further evaluation can be completed.
            • Any consultations with medical professionals, or completed or pending tests by a proposed insured, that are related to COVID-19 should be disclosed in response to the relevant questions on the application and/or supplemental application forms.
            • An updated good health statement is required at delivery on all policies.

Underwriting reserves the right to request additional information and/or defer any decisions when there is not enough information to render an underwriting assessment.

Policy delivery enhancements

In addition to temporary changes to our underwriting process, we are also updating our policy delivery process to accommodate our many partners who are now working remotely. Details are available here.

New webpage for COVID-19 related information

We know you need easy access to the most current information. In an effort to centralize important updates and spare your inboxes from multiple emails, we created a COVID-19 information hub on JHSalesHub.com where you can find answers to many of your questions as well as a repository of our recent communications.

Mutual of Omaha

LTC Update as of July 14, 2020

Mutual of Omaha is pleased to announce we are lifting restrictions for LTC applications age 65 and over in additional states effective July 6, 2020.  Please refer to the Frequently Asked Questions document for a current list of all states and effective dates. 

  • Connecticut
  • District of Columbia
  • Illinois
  • Massachusetts
  • Michigan
  • New Jersey
  • New York
  • Rhode Island

We continue to evaluate lifting issue age restrictions for additional states. Until then, all states not identified must follow the guidelines and processes outlined in our temporary underwriting guideline communication.

Reminder: Underwriters will initiate scheduling the face-to-face assessments for LTC applicants age 65 and over after medical records have been received, reviewed and considered favorable for insurability. This new process ensures we are only requesting face-to-face assessments on individuals who are indeed insurable, subject to the completed assessment.

Electronic Submission Reminder as of  April 20, 2020:

In the past couple of weeks, Mutual of Omaha has made two important changes to help you and your distribution with your application submission process:

    1. Both of our IUL products can now be submitted electronically through iPipeline and the Speed eTicket
    1. We raised our Accelerated Underwriting max from $1mm to $2mm

I also want to remind you of a few other eSolution opportunities for your agents that are selling our life products.  While we have a very deep fully underwritten portfolio of products, we also have a complete portfolio of simplified issue products.  These products may be what your clients are asking for and needing in this COVID-19 environment.  We are very proud to offer your clients our iGO® e-Application solution for almost all our simplified issue products, many of which offer instant decision, with an email signature process, there are still scenarios or products where a paper application is still necessary. One of those products is our highly competitive IUL Express.

That is why I wanted to remind you Mutual of Omaha’s Life Underwriting department will allow you to complete PDF copies of any life application and capture signatures using one of the five methods below.

This is GREAT news for your potential IUL Express clients because you can offer one of the most innovative products on the market that will prove quite challenging to be replaced (should another agent contact your client after the sale has been made). Best part is that IUL Express is a TRULY SIMPLIFIED ISSUE product, meaning no labs and no paramed needed.

To illustrate how simple and easy the process is, we have created two videos that can walk you through either the full sales process and one that just highlights how to apply signatures with DocuSign®. The third link below is a training video to walk through the competitive features of IUL Express.

While you should always follow your Marketing Organization’s preferred application submission process, we wanted to remind you that we will allow Paper Applications & Requirements to be Submitted via Email. Click the link to view the submission guidelines.

As a reminder, below are all the accepted electronic signature methods along with information on how to submit paper applications to us through email, if applicable.

Accepted Electronic Signature Methods for New Business

    • DocuSign®
    • Adobe eSign (formerly EchoSign) – desktop version only, mobile version is not approved
    • OneSpan (formerly Esign Life or Silanis)
    • Alpha Trust
    • Paperless Solutions Group

Update as of April 14, 2020:

Throughout the rapidly evolving pandemic, Mutual of Omaha has been continuously evaluating our underwriting and new business practices to support business continuity, deliver a consistently high level of service, and maintain our financial strength.

As a result, effective Wednesday, April 15, 2020, we are implementing the following temporary changes to our life insurance underwriting guidelines. These changes apply to all fully-underwritten life insurance cases that are not already approved or issued. This includes any newly submitted and pending in-house cases, whether formal or informal.

·         Postponements Due to International Travel
All fully-underwritten life insurance cases where the proposed insured has plans to travel internationally between now and the end of the year will be postponed. These postponed cases may be considered after all international travel is complete, the proposed insured has been back in the United States for a minimum of 30 days, and no further international travel is planned this year.

We will continue to monitor this situation and make adjustments as warranted.

·         Postponements Based on Insured’s Issue Age
We will be postponing all fully-underwritten life insurance cases in the following categories:

o    If the individual is age 70 and above

o    If the individual is age 60-69 and is rated greater than a Table 2. We will also be temporarily suspending the FIT Underwriting Credit Program for all insureds age 60-69.

The temporary changes above are in addition to the guidance on COVID-19 announced on March 24th which postpones underwriting if the proposed insured has traveled or resided outside of the U.S. within the past 30 days, if the proposed insured or any member of his or her household has come into close contact with anyone known to have tested positive for COVID-19, or if the insured has tested positive for COVID-19 or has been hospitalized or quarantined for the virus.

Thank you for your flexibility and understanding as we all continue to adapt to changing conditions. We hope to be able to return to normal as soon as possible.

Update as of April 10, 2020:

State government social distancing responses change daily, and it is increasingly difficult to know which of our distribution partners have the ability to maintain back office support for policy receipt and delivery. We also understand that any back-office support you have available today may be forced to discontinue tomorrow as the situation continues to evolve. Therefore, as an interim solution, we will begin mailing all Disability, Critical Illness and Accidental Death insurance policies direct to our customers effective April 11, 2020.

This change is being implemented with the best interests of our customers and distribution partners in mind to ensure timely policy delivery to our customers in this ever-changing environment. We ask that you work with us to adapt to this new delivery process in the short term as we continue to explore other delivery solutions. However, respecting your business model is important to us. If this change will significantly impact your business, please contact your Sales Director immediately to request an exception to this process. Please know that this may take 3-5 business days.

We have received several requests to email pdfs of the policy output in lieu of having an e-delivery option. Logistically, we are not in a position, at this time, to offer widespread emailing of policies; however, we are exploring this option.

We continue to identify solutions for mailing policies directly to customers on all remaining product lines. Policy delivery updates on our remaining products, as well as pdf delivery options, will be provided as they are available.

Updated DI, CI and AD Policy Output Procedures
Beginning April 11, 2020, all DI, CI and AD insurance policies with or without delivery requirements will be mailed directly to the policyholder. Your agency and producers will not receive a copy.

·         An email will be sent to your office contact at time of policy issue listing any needed delivery requirements. A copy of the delivery requirements will not be attached.

·         All delivery requirements will be included in the policy output package.

·         Case Monitoring will reflect all outstanding and received delivery requirements.

·         Options to send back delivery requirements include:

o    By mail: A return envelope will be included for the customer to return to our home office.

o    By fax: 402-997-1805

o    By email: Healthrequirements@mutualofomaha.com Note: Please reference the FAQ on how to send emails securely.

If you have any questions on these new process improvements not identified in this FAQ, please contact your underwriting and new business teams at 1-800-775-7896.

National Life-LSW

Breathe Easier Flyer

Accepting Remote Applications

Update as of April 27. 2020:

We’re Here for You

Supporting your business today and tomorrow

To make sure you have the resources you need, we have launched several digital resources to help you navigate the rapidly changing environment, grow your business and continue to Do Good, Be Good and Make Good for your customers.

Rapid Response Center

Your resource home for timely updates on product information and business processing like remote applications, electronic policy delivery and more.

Newly Added Features!

  • NEW Client Intelligence Tool information is now available on the Rapid Response Center
  • Coming Soon! After-Issue Client Needs: Resource Guide
  • Coming Soon! eApp updates

Pro Tip! Don’t forget to access the Term Conversion eKit under the “Apply” section of the Rapid Response Center.

COVID-19 Client Engagement eKit

This toolkit makes it easier for you to reach out and educate your clients. This is your opportunity to coach your clients through solutions that will help them sleep well at night by:

  1. Reinforcing the benefits of permanent life insurance for those who have already purchased a policy.
  2. Educating them on the best ways to access their policies if they need cash.

Helping them in the most efficient way possible.

Update as of April 20, 2020:

New Business Requirements: Clarification

As we adapt to the new way of doing business, we are updating our business requirements so that we may continue to offer the best protection for your customer. Faced with the health crisis caused by the COVID-19 pandemic, a copy of the good health attestation, which can be found on the policy delivery receipt, must be returned by the client.  As a reminder, this has always been part of our new business process.

Beginning 4/20, we will now require that policy delivery receipts be returned for all life policies. This requirement will stay in effect through the end of the pandemic.

Update as of April 15, 2020:

With Change Comes Opportunity

IRA contributions for 2019 extended to July 15

IRAs play an important role in helping your clients achieve long-term financial goals. With the extension of tax season, this window of opportunity remains open.

On March 18, 2020, in response to the President’s COVID-19 Emergency Declaration, the Department of the Treasury and the Internal Revenue Service issued a Notice extending the normal Federal tax filing deadline from April 15 to July 15. In addition to extending the Federal filing deadline this notice also allows…

      • Tax deductible IRA contributions for 2019
      • Tax deductible contributions to a Health Savings Account (HSA)
      • Employer business contributions to qualified plans
      • Employer set up and implementation of a Simplified Employee Pension Plan (SEP-IRA)

…up to the July 15 deadline.

Update as of April 14, 2020:

National Life’s Underwriting Experts Discuss Streamlining Processes and What’s to Come

“Conversations:” Real Conversations. Real NLG Employees.

National Life Group’s Underwriting Department has made several innovative strides over the last several years, but there have been massive leaps made in the last few weeks to enable agents to continue to serve customers in the current climate.

In this episode, Bill Whitsell, Senior Vice President and Executive Chief Underwriter, and Kristin Cook, Vice President and Chief Underwriter, open up about how National Life is conducting business and better positioning agents to protect middle America.

Watch the Video Now

Update as of April 6, 2020:

Supporting Your Business in a Changing Environment

The COVID-19 virus is having a dramatic impact on our lives, businesses and overall sense of security. While these are challenging times, providing solutions and being of service to you and your customers is what we do, during good times and periods of difficulty like the one we are all experiencing.

That is why we have launched the Rapid Response Center, to help you navigate the rapidly changing environment. This page is your resource home for timely updates on product information and business processing like remote applications, electronic policy delivery and more.

Make sure that you bookmark us! You’ll want to visit often.

Nationwide

Update as of April 20. 2020:

Update to New Business Requirements

As we adapt to the new way of doing business, we are updating our business requirements so that we may continue to offer the best protection for your customer. Faced with the health crisis caused by the COVID-19 pandemic, a copy of the good health attestation, which can be found on the policy delivery receipt, is needed as part of application processing.

For this reason, beginning 4/20, we will now require that policy delivery receipts be returned for all life policies. This new requirement will stay in effect through the end of the pandemic.  While we recognize this as an additional step for you and the customer, it is an important one that allows us to continue to quickly process new business applications in this remote environment.  This extra step in securing new business helps us to make good on our commitment to serve our customers during these uncertain times.

Update as of April 8, 2020:

Partner Outreach

Nationwide® promises to provide extraordinary care during these uncertain times.
We’re all feeling the effects of the coronavirus (COVID-19) pandemic in one way or another. And we want to assure you that Nationwide® remains fully committed to our members, employees, business partners and communities.

We understand there are going to be circumstances such as vendor closures and staffing issues that prevent us from receiving standard medical requirements. To ensure that protection is still available to as many individuals as possible during this time, we’re temporarily adjusting our underwriting guidelines.

What you need to know
Given the challenges of collecting information for underwriting, submitting applications via our Nationwide Intelligent Underwriting process is the best choice. Our Intelligent Underwriting process is being expanded to allow increased acceleration rates for qualifying clients, including those qualifying for the Standard rate class. Additionally, we will consider alternative sources of medical information when an exam is necessary for both traditional business and for our Intelligent Underwriting process. Here’s what’s changing:

    1. Health records and results — If acceleration is not possible and alternative sources of data are insufficient, we will consider client-provided personal health records and exam results that have been completed within the past 24 months.
    1. Medical requirement substitutions — Until further notice, the following acceleration guidelines are acceptable underwriting solutions:
        • Face amounts
          Age 18 to 50: $100,000 to $2 million
          Age 51 to 60: Up to and including $1 million
          – Now allowing Standard or better risk classifications
          – If exams are needed, we will consider a completed physical, including labs, with all results normal within the prior 24 months
          – We can confirm the exam and lab results through digital health data
        • Face amounts
          Age 18 to 50: Over $2 million
          Age 51 to 60: Over $1 million
          – Case meets regular accelerated underwriting guidelines for eligibility
          – Applicant has had a complete physical, including labs, with all results normal within the prior 24 months
          – We can confirm the exam and lab results through digital health data
          – Standard or better risk classifications only
    1. Digital health data and attending physician statements (APS) — We are rapidly implementing solutions that will provide alternate sources of underwriting data in lieu of labs, exams and medical records.Cases that don’t meet these conditions will be considered on an individual case basis. Our underwriters are proactively reviewing new cases to identify options that may be available to continue underwriting without exam requirements and notify you of available options.
    1. Important note about new customers — Our Life Underwriting team is closely monitoring new customers who apply for life insurance, especially those who may have traveled where the risk of COVID-19 is highest. We may delay those applications for 30 days or request additional testing of those applicants.
    1. Important note for existing customers — We want to ensure that customers don’t suffer additional hardship as a result of the COVID-19 pandemic. If you are aware of customers who require assistance with the payment of their insurance premium due to COVID-19, please contact us.

We’re here for you
Please be assured that we’re making every effort to keep moving business along as normal. We hope you find these answers to commonly asked questions for doing Life business with Nationwide during these challenging times helpful.

We care about you and all your customers, so please feel free to use the following additional resources, even for those who may not be Nationwide members.

We’re also proud to share that the Nationwide Foundation will provide $5 million in national and community response grants to assist nonprofits, including $1 million each to the American Red Cross, United Way and Feeding America. $2 million in donation grants will be distributed to assist communities in responding to COVID-19 where Nationwide companies operate.

Since 1926, Nationwide has navigated these kinds of unexpected events many times, and we are strong, stable and prepared to support you and your customers. Thank you for all you’re doing, and we wish you and your customers good health.

North American

North American:

North American’s Digital Doors are open

Doing business virtually

Update as of April 9, 2020:

Increased Premium Limits for IUL Products
Our strength and stability provided by our prudent investment philosophy and private ownership allows us to continually evaluate opportunity and options to our distribution partners and customers. As a result, effective immediately we will be increasing the annual premium limit in all policy years on the following products.

Increased premium limits will apply to the following products:

• Builder Plus IUL® 2

• Protection Builder IUL

• Smart Builder IUL

Read more 
Policy Change Guidelines
North American wants to ensure that the rules for servicing customer life insurance needs post-issue are clear and easily understood. We understand that a customer’s needs may change and our processing guidelines are designed to place the client’s needs first.
Read more 

North American Annuity

Update as of April 22, 2020:

Understanding the CARES Act impact

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) is in effect and we are formulating plans to administer the changes.

To help support your business, we’ve put together a helpful frequently asked questions (FAQ) flyer that addresses the following:

  • Required minimum distributions (RMDs)
  • Withdrawals
  • Loans
  • Deferred compensation

Get the FAQ now.

North American as of April 6, 2020:

More tools to make your business easier
in these uncertain times

To continue to support your new virtual business, we are implementing a temporary solution for policy delivery. This change will affect policies issued Tuesday, April 7 and forward:

    • NEW – In addition to our normal process of mailing newly issued policies to you, within 5 days after issue, we’ll also send policy pages in a PDF file to the primary writing agent’s email of record in a secure email.
    • NEW – We will accept copies of signed delivery receipts. Your clients can sign, scan or take a picture, and send to you. The receipt can then be submitted to us by email, secure upload, or mail.

Remember to check on your state insurance department’s website for delivery requirements. Find out more about how we keep private information safe with encryption and secure upload here.

One America

One America as of March 26, 2020:

Supporting our partners and customers

We hope you and those closest to you are doing well as the COVID-19 outbreak continues to affect businesses and communities throughout the country and across the world. OneAmerica has long been in the business of helping individuals and businesses plan for the future and protect themselves during uncertain times, and this is no exception. As the outbreak of COVID-19 continues and knowing that this situation will continue to evolve over the coming weeks, we want to make sure you’re aware of the steps we’re taking to protect our associates, customers and assets. Read more about OneAmerica’s response to COVID-19

Value Proposition of Asset Care

Tutorial on Submitting an e-app (requires registration)

Updates as of April 3, 2020:

COVID-19: Lapsed Policies and Grace Period Extensions
At OneAmerica, we believe in being there when our customers need us most. We recognize that due to the far-reaching effects of the COVID-19 pandemic, some life insurance policyowners currently may struggle to pay their premiums on time. To help those who have a real need during this time and to address the various state requests and directives, the following procedures are being implemented:
For policies that have lapsed
If a life insurance policy lapsed AFTER the policyowner’s resident state issued a moratorium on lapses, then:

1.    OneAmerica is automatically extending coverage on these impacted life insurance policies until June 1, 2020.

2.    No action is required by you or the policyowner. It is automatic.

3.    These policies will show as lapsed in the administrative systems, Accounts Services, and OSO. The status of these policies will not be updated in the systems — they will continue to show as lapsed.

4.    The OneAmerica Home Office will mail letters to the individual policyowners impacted, and producers will receive a copy of letters to impacted policyowners.

5.    This will be applied to only those states that have requested a moratorium on a state-by-state basis.

6.    Impacted timeframes are based on the date the policyowner’s resident state requested the moratorium — therefore, start dates will vary.

7.    Policyowners may reinstate policies until June 1, at which time back premiums would be due. Otherwise, the policy will terminate.

For policies that have not yet lapsed

For policies in grace that have not yet lapsed:

1.    From April 1, 2020, through June 1, 2020, American United Life (AUL), State Life and Pioneer Mutual Life (PML) will automatically not lapse life insurance policies.

2.    This will be for all states — not just those that have moratoriums in place.

3.    No action is required by you or the policyowner. It is automatic.

4.    We are working toward an automated solution to reflect this grace period extension and keep the policy inforce within our administrative systems. Until this automated solution is implemented, the process for those already lapsed would be followed. This means that the policy would show as lapsed within our administrative systems.

5.    After the grace period extension, back premiums would be due if the policyowner wishes to keep the coverage. Otherwise, the policy will terminate.

**Please note: This does not include non-forfeiture options (e.g. RPU, APL, ETI, etc).

In both cases, OneAmerica will continue to monitor the situation to determine if any additional extensions may be needed. As always, we will continue to comply with state requirements and ensure that we’re addressing this quickly evolving situation and communicating any changes as needed.
Questions?
Please reach out to the AUL/PML Sales Desk team at 877-999-9883 or the State Life Sales Desk team at 844-833-5520 with any questions. You can also access COVID-19 related OneAmerica resources for both consumers and financial professionals on OneAmerica.com

Pacific Life (Promise)

Update as of April 16, 2020:

COVID-19 Updates

Pacific Life is committed to supporting your needs as you service your clients during these uncertain times. To help make staying up-to-date easier, you can find all of our COVID-19 communications in one place.

Access Here

Financially Solid

For more than 152 years of service to our policyholders, Pacific Life has helped hundreds of thousands of individuals and families with their financial needs. We remain committed to creating innovative products and services that provide value and financial security for current and future generations.

See Our Strengths

Underwriting Update 4/7/2020***Important***Update as of April 7, 2020

Update as of April  6, 2020

Pacific Life continues to monitor the COVID-19 pandemic, and through it all, we are committed to supporting your needs as you service your producers and clients during this uncertain time. As a result of information changing so rapidly, we have decided to send COVID-19-related communications directly to producers currently contracted with Pacific Life

Pacific Life as of March 30, 2020:

Date: March 30, 2020
To: Broker General Agencies, Life Insurance Producers, Management, Office Administrators, and Technical Staff
Subject: Underwriting and Operation Updates: COVID-19
Category: Administration

Underwriting and Operation Updates: COVID-19

Pacific Life continues to monitor the COVID-19 pandemic, and through it all, we are committed to supporting your needs as you service your clients during this extraordinary time. The following guideline changes are temporary and intended to assist your clients in getting the life insurance protection they need without significant delays.

Important Note: This reflects an update to our March 18, 2020 communication.
Temporary Underwriting Requirement Adjustments
There may be situations where we are unable to obtain traditional medical requirements due to either vendor closure or limited staff. In those circumstances, we’re temporarily offering an alternative to underwriting for pending or newly submitted formal applications.

For applicants that meet all the following criteria, Pacific Life will use other available data sources to underwrite in lieu of in-person exams:

        • Applicants must be age 60 or younger.
        • Face amounts up to $1 million.
        • Standard or better risk classifications only. Applicants with a rating below standard will require normal exam requirements.

If we are unable to get adequate data from the data sources, Pacific Life may require traditional underwriting methods. Please contact us for more information, as this will be on a case-by-case basis.

Underwriting Vendor Updates
Current social distancing requirements are changing how we complete underwriting requirements. As the situation quickly shifts, we are closely monitoring announcements from our underwriting vendors as well as local and state governments. To see the most up-to-date operational status of our underwriting requirements vendors, you can access the “COVID-19 Vendor Status Report” available on http://producerbay.pacificlife.com/ in the “Featured News” section or by bookmarking this link: http://www.marketing.pacificlife.com/documents/MasterLinks/COVID-19VendorStatus-external.pdf.

Paramed Exam Process Updates
To promote the safety of your clients as well as the medical examiners, when scheduling appointments to complete paramed exams, our vendors will ask whether—within the last 14 days—the applicant has exhibited signs of fever or respiratory distress, traveled to a travel ban country, or has had close contact with someone who has. If the applicant provides any information that indicates possible exposure, the appointment will be rescheduled 15 or more days out. During the call to access the applicant’s potential exposure, the examiner will also clearly confirm the same information for themselves, so that your clients can be assured the examiner has not been exposed.

Temporary Underwriting Guidelines

        • Applicants Traveling From Travel-Ban Countries—If an applicant has traveled from one of the travel-ban countries as found at the U.S. Department of State (Travel.State.Gov), a 30-day delay period will apply:
                • After the 30-day delay period, if the individual tests negative and is cleared, an application may be submitted or a policy delivered.
                • After the 30-day delay period, if the individual tests positive, a statement must be received stating the virus has been cleared and is required prior to submitting an application or delivering a policy.
        • A Certificate of Health or Good Health Statement is required on delivery for:
                • Applicants age 60 and older if the face amount is $250,000 or higher.
                • All rated policies, regardless of age or face amount.

Ongoing Support and Service
We are supporting our employees by ensuring they are set up to work in a safe and effective work-from-home environment and are pleased to report that our work force is fully operational in a remote capacity. You may experience additional wait time as you call to talk with a representative from Pacific Life, but know we are answering calls and are available to answer your questions.

Grace Period Extensions
To further assist policyholders, Pacific Life is complying with all applicable state disaster relief regulations and bulletins. This includes grace period extensions for impacted policyholders. If your clients are experiencing a hardship and having difficulty paying their premium due to the COVID-19 pandemic, please have them call our customer service representatives to discuss options.

Policy Delivery
For Broad Market: Pacific Life offers the ability to deliver policies electronically using our intuitive and easy-to-use, in-house ePolicy Delivery solution. Throughout the electronic process, all participants are notified of to-do tasks, status, and issues via email. With ePolicy Delivery, customers can:

        • Review policy package, delivery requirements and payment plan
        • Complete the payment plan for initial premium and recurring payments
        • eSign all necessary documents
        • Return delivery requirements
        • Minimize re-issue delays
        • Request delivery extensions electronically.

Claims
We have received several inquiries about how claims related to COVID-19 will be administered. Pacific Life insurance policies do not contain an exclusion for pandemics. All claims received will be processed in accordance with our normal procedures.

Principal

Principal Life online flyer

Consumer video describing the process

Video of the entire process

COVID-19 Resource Page

Update as of April 20, 2020:

CARES Act tools

  • Paycheck Protection Program: The latest on federal stimulus for business cash flow. Please join us at noon CDT Thursday, April 23, as we host Kimberly Weisul, editor-at-large for Inc. Magazine and Inc.com. Submit your questions and learn which federal stimulus is available to you and your business clients under the CARES Act. Lance Schoening, government relations director for Principal®, will moderate the event with panelists Weisul and Mark West, national vice president of business solutions for Principal. Register now to join (Can’t attend? Register to get the replay.)
  • Financial assistance decision tree for your business clients. By answering just a few questions, this interactive tool can help businesses navigate what part of the CARES Act works best for them. View decision tree (Use Chrome, Safari, or Edge)

    Social post: Sifting through the financial-assistance options of the CARES Act may feel overwhelming. The Principal® decision guide can help you navigate. See which programs could work best for your business. https://bit.ly/2VAac5e

  • Paycheck Protection Program and tax credit calculators for business clients. Share these handy calculators with your clients to help them see how much financial relief through the CARES Act they might receive. Note: The Small Business Administration is no longer accepting new applications for the relief based on available appropriations funding. Additional funding is anticipated, and this site will be updated as new information is available. View calculators | Share email

    Social post: To help your business with the CARES Act relief options, use these Principal® calculators to quickly estimate the Paycheck Protection Program loan you might receive and how much may be forgiven—and how that compares to the Employee Retention Credit. https://bit.ly/2VoWxhd

Individual disability insurance

  • Relaxed Benefit Update Rider underwriting requirements. Effective immediately and through June 30, customers will be able to get the Benefit Update Rider if they purchase at least 50% of eligible coverage. Learn more
  • Lab and physical measurements. Effective through May 31, we’re not requiring lab and physical measurements for coverage up to specific amounts. Learn more
  • Online medical record sharing through Human API. See how clients can share records instantly and be underwritten in up to two days. Watch video | Learn more

Individual life insurance

  • Rate class underwriting changes. Review underwriting changes regarding rate classes and other underwriting details. Learn more
  • Financial hardship and premium flexibility for life insurance policies in NY. On March 29, 2020, the Governor of New York issued Executive Order 202.13, which expires on April 28, 2020, unless subject to an extension. We’ll be sending this notice to policyholders in New York advising them of their options under the Executive Order.

Group Benefits

  • Rate stability for select renewals. Employers with less than 500 employees and a policy anniversary date of May 1- Aug. 15 will not have a rate increase. Learn more
  • Financial hardship and premium flexibility in NY. On March 29, 2020, the Governor of New York issued Executive Order 202.13, which expires on April 28, 2020, unless subject to an extension. If a policyholder is unable to make a premium payment due to a demonstrated financial hardship, the insurer will allow premium to be paid over a 12-month period. This will include any notices of cancellation due to nonpayment in effect prior to the date of the Executive Order.

Nonqualified Deferred Comp

  • Addressing uncertainty with nonqualified deferred comp plans. Help answer questions plan sponsors may have regarding 457(b) plans, plans governed by 409A, and unforeseeable emergencies with these plans. Get Q&As

Update as of April 17, 2020:

CARES Act tools

    • Paycheck Protection Program: The latest on federal stimulus for business cash flow. Please join us at noon CDT Thursday, April 23, as we host Kimberly Weisul, editor-at-large for Inc. Magazine and Inc.com. Submit your questions and learn which federal stimulus is available to you and your business clients under the CARES Act. Lance Schoening, government relations director for Principal®, will moderate the event with panelists Weisul and Mark West, national vice president of business solutions for Principal. Register now to join (Can’t attend? Register to get the replay.)
    • Financial assistance decision tree for your business clients. By answering just a few questions, this interactive tool can help businesses navigate what part of the CARES Act works best for them. View decision tree (Use Chrome, Safari, or Edge)Social post: Sifting through the financial-assistance options of the CARES Act may feel overwhelming. The Principal® decision guide can help you navigate. See which programs could work best for your business. https://bit.ly/2VAac5e
    • Paycheck Protection Program and tax credit calculators for business clients. Share these handy calculators with your clients to help them see how much financial relief through the CARES Act they might receive. Note: The Small Business Administration is no longer accepting new applications for the relief based on available appropriations funding. Additional funding is anticipated, and this site will be updated as new information is available. View calculators | Share emailSocial post: To help your business with the CARES Act relief options, use these Principal® calculators to quickly estimate the Paycheck Protection Program loan you might receive and how much may be forgiven—and how that compares to the Employee Retention Credit. https://bit.ly/2VoWxhd

Individual disability insurance

    • Relaxed Benefit Update Rider underwriting requirements. Effective immediately and through June 30, customers will be able to get the Benefit Update Rider if they purchase at least 50% of eligible coverage. Learn more
    • Lab and physical measurements. Effective through May 31, we’re not requiring lab and physical measurements for coverage up to specific amounts. Learn more
    • Online medical record sharing through Human API. See how clients can share records instantly and be underwritten in up to two days. Watch video | Learn more

Individual life insurance

    • Rate class underwriting changes. Review underwriting changes regarding rate classes and other underwriting details. Learn more
    • Financial hardship and premium flexibility for life insurance policies in NY. On March 29, 2020, the Governor of New York issued Executive Order 202.13, which expires on April 28, 2020, unless subject to an extension. We’ll be sending this notice to policyholders in New York advising them of their options under the Executive Order.

Group Benefits

    • Rate stability for select renewals. Employers with less than 500 employees and a policy anniversary date of May 1- Aug. 15 will not have a rate increase. Learn more
    • Financial hardship and premium flexibility in NY. On March 29, 2020, the Governor of New York issued Executive Order 202.13, which expires on April 28, 2020, unless subject to an extension. If a policyholder is unable to make a premium payment due to a demonstrated financial hardship, the insurer will allow premium to be paid over a 12-month period. This will include any notices of cancellation due to nonpayment in effect prior to the date of the Executive Order.

Nonqualified Deferred Comp

    • Addressing uncertainty with nonqualified deferred comp plans. Help answer questions plan sponsors may have regarding 457(b) plans, plans governed by 409A, and unforeseeable emergencies with these plans. Get Q&As

Update as of April 9, 2020:

We know conducting business is challenging during the crisis and that you and your clients have questions. To help us better serve up timely content as it relates to your business, we’re trying a new format that will help us include more of what you need to know.

New COVID-19 advisor site

No matter your line of business, this site will be your go-to for all things COVID-19 impacting you and your clients—like underwriting, new business processes, digital marketing solutions, the Coronavirus Aid, Relief, and Security (CARES) Act, and more. Bookmark the new site for future reference. If you need to log in to the advisor site and forgot your password, call (800) 554-3395.

      • The CARES Act and what it means for your clients. Get details for business owners and individuals. Coming by next week: New handy calculators to help your clients decide which financial relief options available through the Small Business Administration will work best for them. Check this page often for these and other tools to help businesses sift through the details of the CARES Act.

Individual disability insurance

      • Important Benefit Update Rider information. We’ve temporarily relaxed our underwriting requirements to purchase the Benefit Update Rider on new policies as well as the acceptance requirements for existing policies. Learn more
      • Help clients share medical records through Human API. See how clients can share records instantly and be underwritten in up to two days. Learn more
      • Other important details regarding doing business. Review additional guidance regarding temporary underwriting adjustments, extended grace periods, and digital solutions to help during COVID-19. Learn more

Individual life insurance

      • Underwriting frequently asked questions. Get answers to the popular questions we’re getting. Learn more
      • Submitting new business. To help make it easier for you during this time of working remotely, we’re accepting photographs of all documents/signatures for all states.
      • Other important details regarding doing business. Review additional guidance regarding temporary underwriting adjustments, extended grace periods, and digital solutions to help during COVID-19. Learn more

Group Benefits

      • Rate stability for select renewals. To help during these challenging times, we’re simplifying renewal conversations for small business owners. Learn more
      • Employee Assistance Program (EAP) support. Principal® and Magellan are extending telephonic EAP support to all group benefit customers during COVID-19. Contact Magellan Healthcare 24/7 at (800) 450-1327 for free, confidential consultation services.
      • Financial hardship and premium flexibility for life insurance policies in NY. On March 29, 2020, the Governor of New York issued Executive Order 202.13, which expires on April 28, 2020, unless subject to an extension. If a policyholder is unable to make a premium payment due to a demonstrated financial hardship, the insurer will allow premium to be paid over a 12-month period. This will include any notices of cancellation due to nonpayment in effect prior to the date of the Executive Order.

Nonqualified Deferred Comp

Update as of April 8, 2020:

Help clients share medical records instantly

Getting medical records in the traditional way for life insurance underwriting can often take weeks. We’re excited to share that Principal® is now working with Human API to allow clients to share their medical records electronically when needed. Digital records are available to the underwriter in minutes rather than weeks. This safe and secure method keeps information protected and allows the process to keep moving.

Watch a video from Human API to see the experience your clients will have.

Term life policies to be electronically delivered

Review our current service times
Recent news

Electronic delivery of policies makes getting the policy into the hands of the client faster and easier. Most financial institutions we do business with have approved our eDelivery solution. A small number have not (listed below). We’ll continue to work with each firm to gain approval of our eDelivery. In the meantime, starting May 4, all Principal® Term policies you write through any of these firms will be electronically delivered to your office. You’ll then need to print and physically deliver these policies to the client.

        • BBVA Securities Inc
        • Cadaret, Grant & Co Inc
        • Fifth Third Securities Inc
        • HD Vest Investment Securities Inc
        • MMC Securities LLC
        • Oppenheimer & Co Inc
        • RBC Capital Markets LLC
        • Stifel Nicolaus & Company, Incorporated
        • Suntrust Investment Services Inc
        • US BANCORP Investments Inc

Learn more about Principal® Life Online, our digital term solution.

Electronic signatures make doing business from a distance easier

The current working environment favors electronic ways of doing business when face-to-face interactions isn’t an option. Electronic signature (eSignature) is a tool to help you manage your business with your clients during these times of self-distancing and beyond.

Get details on how you can use eSignatures for your Principal life insurance business.

Enhanced online Request Part B is coming soon

We’re working hard on our Request Part B system to make it even better for your clients. The enhanced system will offer benefits such as access without logging in and improved system performance.

Stay tuned for more information.

Protective

Protective as of April 15, 2020

Temporary Life Insurance Underwriting Guidelines

Age and rating limitations:

  • We will postpone coverage on individuals who are age 80 and above.
  • Ages 70-79: Applicants must qualify for Standard rating or better and have no significant underlying medical condition or treatment that makes them more susceptible to COVID-19 death. *
  • Ages 60-69: Applicants must qualify for Table 4 rating or better and have no significant underlying medical condition or treatment that makes them more susceptible to COVID-19 death. *
  • Ages 0-59: Protective will consider applicants with all medical impairments through Table 4. Applicants rated over Table 4 will be considered on a case-by-case basis if the individual has no significant underlying medical condition or treatment that makes him or her more susceptible to COVID-19 death. *

* The medical conditions and treatments referred to above include, but are not limited to:

    • Heart disease
    • Significant cancer in the last 10 years
    • Diabetes
    • Pulmonary disease (COPD, Asthma, etc.)
    • Autoimmune or Immunosuppressive Disease
    • Any medication that causes immunosuppression (Biologic, Prednisone/Steroid, Methotrexate, etc.)

These temporary changes apply to all new or pending cases with no final underwriting offer or outstanding underwriting requirements. They do not apply to issued or approved cases that are awaiting policy issue requirements, including a Statement of Health.

As a reminder, we have a COVID-19 Resource Center (https://www.myprotective.com/COVID-19/) that you can visit for the most up-to-date information from Protective.

The Path to Efficiency- Electronic Applications

Using TeleLife with EZ-App

PLUS Eligibility Checklist

ePolicy Delivery Getting Started Guide

Prudential

Update as of April 14, 2020:

2020 Life Resource “eBook” Guide

Get the new eBook: Doing Business with Prudential – Life Business Resource Guide Spring 2020. Find what you need to help you do business quickly and easily in this changing environment.

View the eBook 

Prudential as of April 3, 2020:

The COVID-19 pandemic has created uncertainty and stress. Rest assured, one thing remains the same—Prudential is here to support you and the clients you serve with tools and resources. In addition to the information in this newsletter, we have just rolled out two websites to communicate how Prudential is responding to the crisis and provide tools and resources for clients and advisors.

Please visit www.prudential.com/covid and https://www.prudential.com/covid-insights for more information.

Securian

COVID-19: We are here for you

Resources for working with clients in volatile markets

Making life easy – for you and your clients

Update as of April 21. 2020:

Life Lines
April 2020
Securian Financial was built to weather times like this
Securian Financial has provided reassurance during times of uncertainty for 140 years. We are here for families. We are here for you. We strive to maintain financial integrity and strength in order to provide security and value for our customers. View our financial ratings here.
Tools to help you when face-to-face isn’t an option
eApp

§  Provides you with an easy way to complete your clients’ applications online, anytime, anywhere

§  Allows for you and your clients to electronically sign with applications

Learn more about eApp ›

WriteFit Underwriting

§  Is a less invasive underwriting option for your eligible clients that doesn’t require an examiner to visit their home

§  Gives you and your clients underwriting decisions in as little as 24 hours1

Learn more about WriteFit2

ePolicy Delivery

§  Provides you and your clients with a completely paperless application experience with electronic signatures

§  Allows for life insurance policies to be signed, sealed and delivered in seven days

Learn more about ePolicy Delivery ›

Drop Ticket

§  Offers your clients quick and easy application for individual term insurance

§  Is a completely digital policy issue experience when paired with eApp and ePolicy Delivery

Learn how Drop Ticket works and other benefits ›

DocuSign®

DocuSign® is also an option for electronic signatures. To learn more about how you can get set up with DocuSign, view our FAQ or contact your case manager.

Coming soon! Eclipse IUL with no-lapse guarantee (New York only)
On May 4, 2020, Eclipse Indexed Universal Life (IUL) -NY will be adding an optional no-lapse guarantee agreement (NLGA) to allow you to design a product to meet your clients’ needs – whether accumulation or protection. With the NLGA, your client has the ability to dial the guaranteed duration up to the insured’s age of 120 based on how much premium they want to pay.

Find out how Eclipse IUL can be a versatile IUL solution for your clients.

Learn more
iPipeline® eApp update for SecureCare
Beginning May 2, 2020, the eApp product type for SecureCare Universal Life will change from Universal Life to Life/LTC. See below for important information about how this may impact your SecureCare eApps in progress.

Important information

§  eApps started and submitted before May 2, 2020, no impact.

§  eApps started on or after May 2, 2020, no impact.

§  In progress eApps started before May 2, 2020, agent is required to re-validate all screens. This includes applications that have been locked.

§  eApps started before May 2, 2020, with eSignatures in progress: agent is required to unlock the eApp, re-validate screens and collect all eSignatures. If any signing party has already applied their signature, a new signature will be required.

By updating SecureCare’s product type on eApp, we hope to make it easier for first-time users to find and submit a SecureCare application. We apologize for any inconvenience this may cause.

We’re here for you
Our call center is fully staffed and are answering questions Monday through Thursday from 7 a.m. to 6 p.m. CT and Friday from 7 a.m. to 4:30 p.m. CT. To best serve our customers, all calls will be evaluated for prioritization. The best times to call are from 7 – 10 a.m. and after 4:30 p.m. as the hold times are historically the shortest.
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Update as of April 14. 2020:

Life insurance grace period extension
Amid current events, Securian Financial’s Individual Life Insurance Division has enacted the following grace period extension for individual life insurance policies:

§  Policies that were set to lapse between March 4, 2020, and June 1, 2020, will have their grace period extended by 60 days, or until the end of the state-mandated leniency period, if later.

§  Policies that lapsed between March 4 and March 31, 2020, are currently being reviewed to extend their grace period.

§  Securian Financial will automatically stop policies from lapsing. A request to your in-force team is not needed from you, as this will be automatically applied.

It is important to note that we are not waiving premium payments. Premium notices will continue to be mailed out, policy charges will still accrue, and we will still accept premium payments. Furthermore, individuals who are otherwise facing financial hardship during the COVID-19 crisis are encouraged to contact Securian Financial to discuss payment options.

We will continue to monitor this program and may adjust it over time to ensure state requests are met.

Update as of April 10, 2020:

Securian Financial has been actively monitoring the rapidly changing current events and evaluating our underwriting and new business processes. We have been focused on delivering high levels of service, helping customers with their insurance needs and maintaining the company’s financial strength.Working closely with our reinsurance partners, we have decided to make temporary changes as we navigate the challenges presented by the pandemic. Effective at the end of business today (4/10/2020), our underwriting and new business participation guidelines will be updated as follows:

WriteFit1

        • The maximum face amount for WriteFit applicants ages 18 through 50 is being increased from $2 million to $3 million. Applicants ages 51 through 60 continue to be eligible for up to $1 million of coverage via the WriteFit platform. Eligibility for WriteFit is determined by answers to the tele-interview.

Traditional Life Underwriting (includes underwritten policy changes)

        • Insurance ages 71 and older: new applications will not be accepted. Currently pending applicants rated standard or better will be issued. Currently pending applicants who are rated worse than standard will be postponed until at least June 15, 2020.
        • Insurance ages 61 through 70: offers for new and pending applicants who are rated Table B or worse will be postponed until at least June 15, 2020.
        • Insurance ages 51 through 60: offers for new and pending applicants who are rated Table C or worse will be postponed until at least June 15, 2020.
        • Insurance ages 50 and younger: offers for new and pending applicants who are rated Table G or worse will be postponed until at least June 15, 2020.
        • Money may not be submitted with new applications, and temporary insurance agreements will not be available until at least June 15, 2020.

SecureCare Universal Life (UL) Underwriting

        • Insurance ages 71 and older: new applications will not be accepted. Currently pending applicants with mortality assessed at standard or better will continue to be underwritten. Currently pending applicants with mortality assessed worse than standard will be postponed until at least June 15, 2020.
        • Insurance ages 70 and younger: mortality evaluation will need to be standard or better for a SecureCare UL policy to be issued. Applicants who would be table rated for mortality purposes will be postponed until at least June 15, 2020.
        • Money may not be submitted with new applications, and temporary insurance agreements will not be available until at least June 15, 2020.

Premium Limitation for Eclipse Protector II Indexed Universal Life (IUL)

        • The maximum amount of premium for Eclipse Protector II IUL policies is being reduced to the greater of 5 times target premium or $250,000 in any year. This maximum is inclusive of both out-of-pocket premiums and 1035 proceeds.
        • Please note that pending and new applications received on or before April 17, 2020, will be permitted to process and pay at our current guidelines until May 29, 2020.

Internal Exchanges

        • Non-underwritten internal exchanges for individuals age 81 and older are not available. If you need assistance with an existing contract, please contact the inforce case design team at inforcecasedesign@securian.com or 651-665-3746.

As a mutual holding company, we take a long-term approach that positions us strongly regardless of what happens in the economy. We do not take making these changes lightly and have done so after much consideration of the potential business hurdles. We expect to re-visit these changes and others as we continue to learn more about the pandemic.

During unprecedented times like these, we are grateful for strong relationships. Thank you for your business as we navigate these uncertain times.

SBLI

Update as of April6, 2020:

Update to SBLI’s Response to COVID-19

Important Note: This reflects an update to our March 26, 2020 communication.

SBLI continues to closely monitor the COVID-19 pandemic on a daily basis, and we will provide you with underwriting and operational updates as things change.

Underwriting Operations Update

There continues to be no disruption to our business processing operations in Underwriting and New Business. We have taken action to ensure that we continue to underwrite and process new applications, claims, and other payments on schedule and as quickly as possible.

In regards to our Underwriting updates, please note the following guidelines. Effective April 6, 2020:

  • Any proposed insured who has recently returned from any country listed on the CDC website will be postponed for 30 days immediately following their return and must show no signs of COVID-19 or positive test results. Any proposed insured with future travel to any of these countries will be postponed for 30 days after they return and must show no signs, symptoms, or positive COVID-19 test results.
  • A statement of health will be required on all cases going forward on policy delivery and must be signed and returned.
  • Until further notice, we are temporarily suspending taking cash with an application to bind coverage under the Conditional Receipt and for the State of Kansas only, the Temporary Insurance Agreement.
  • We still have no plans at this time to make any changes to our Accelerated Underwriting program parameters.

Customer Service/Payment Processing

  • SBLI is continuing all billing and premium payment processing as quickly as possible.  This includes ACH and Lockbox processing.
  • SBLI is also providing leniency for all overdue premium payments, extending the lapse date by 60 days from the paid-to date.  This applies to all 50 states.

Vendor Information

  • Tele-meds: The tele-med interview service from our vendors is continuing as usual and remains up to date.
  • Medical records: We are continuing to receive medical records daily from our medical retrieval vendors, but we are monitoring any facility closures. If we are unable to obtain records, we will review submitted applications on a case-by-case basis.
  • Laboratory Processing: Our laboratory processing is up to date and business is continuing as usual.
  • Exams: Our paramedical examiners are continuing to operate and have safety protocols in place.  They are managing and assigning cases, updating status records, and answering phones and responding to questions.  Their overall operations continue to be challenged with exam completion in certain localized markets and have had to suspend services in certain areas, such as Vermont.

E-policy Delivery System

We are continuing to evaluate our policy printing and mailing service; and in the interim, we strongly encourage the use of our e-policy delivery system. This enables the policy owner to accept, sign, and pay for the policy online, as well as fulfill any state delivery requirements without any human contact. If you’d like your agency to be set up or if you need any additional information or training on our e-policy delivery system and process, please contact our Brokerage Sales Desk at 1-888-224-7254 (option 1) or email brokerage@sbli.com for assistance with this.

The Standard (Annuities)

COVID-19 Accommodations for Annuities

Dear Business Partners,

As The Standard continues navigating the challenges of COVID-19, we are making some changes to our processes to make it easier for you to do business with us. Starting now through June 1, 2020, we are implementing these accommodations:

    • Paperwork — The Standard will accept photocopies of:
        • New annuity business applications and all supplemental forms
        • 1035 Exchange requests and IRA transfers (with the assumption other carriers will accept copies)
        • Withdrawal and distribution requests
        • Death claim processing forms
        • Policy administration forms such as address change and beneficiary change requests
    • Signature — If you cannot get a client signature in person, we will accept a:
        • Photograph of the completed form with the client’s signature
        • Photocopy or photograph of the client’s state-issued ID included with the unsigned required forms
    • Notary waiver — We are temporarily waiving the requirement for the POA affidavit to be notarized.
        • Signature for the Agent/Attorney in Fact on the affidavit is still required and subject to the signature accommodations mentioned previously. All state-required execution formalities on the POA document itself will still be enforced.
    • Contract PDFs — Effective Monday, March 23, we will email PDF copies of new business contracts to both the client and the agent if we have confirmed email addresses. We will also mail a hardcopy contract. Our goal is to make it as easy as possible for you to communicate with your clients and deliver their new contract in whatever way makes the most sense for each individual situation.
        • To ensure we have an accurate email address for your client, please include it in a cover letter with the application.

Our team is here to support you and we will continue to monitor and adjust our processes as appropriate. Our employees work from multiple locations across the U.S. and we have ample work-from-home capacity and time zone coverage. Despite external factors, our focus has not changed — we continue to provide the best possible experience for our customers.

If you have questions, please contact the Sales team at 800.378.4578 or our Customer Service team at 800.247.6888.

Thank you for your partnership and your business.

Chris Beaulieu
VP Individual Annuities & Investments
The Standard

The Standard (Disabilities)

The Standard (Disabilities) as of March 31, 2020:

Speed Up the Sale: Go Online
Your clients are already dealing with stress over the COVID-19 pandemic. Simplify and speed up the application by using these processes that don’t require in-person meetings.
Go Online 
COVID-19 Update: No Labs or Exams for More Applicants
We’ve made underwriting changes to help you sell The Standard’s income protection insurance during this challenging time. Starting immediately until May 31, 2020, labs or exams are not required for applicants of all ages for:

  • Platinum Advantage — max monthly benefit up to $10,000
  • Business Overhead ProtectorSM — max monthly benefit up to $25,000
  • Business Equity ProtectorSM — max benefit up to $1,000,000

Our existing maximum issue and participation limits and income documentation requirements apply.
If you have customers affected by COVID-19, share our IDI FAQ with them. If their questions aren’t answered in the FAQ, contact your General Agent for help. The Standard and your General Agent are committed to helping customers affected by COVID-19 get — and keep — their much-needed income protection coverage.

Symetra

Update as of April 15, 2020:

TEMPORARY CHANGES TO OUR UNDERWRITING GUIDELINES
April 15, 2020

As the COVID-19 situation continues to progress, we are constantly assessing our guidelines and procedures to ensure that they are evolving with these unprecedented events. Additionally, we continuously monitor updates from the U.S. Department of State and CDC, as well as other local, state and federal agencies.

Today, we are announcing temporary changes to our underwriting guidelines as they relate to older ages, smokers and clients with additional comorbidities. These changes are an update to our March 24, 2020 communication and will be effective Wednesday, April 15, 2020, until further notice. Changes are detailed below.

    • Ages 80 and above: Postpone 45 days
    • Ages 70-79 (all risks over Standard Non-Nicotine): Postpone 45 days
    • Ages 66-69 (all risks over Table 2 Non-Nicotine): Postpone 45 days
    • Ages 60-65 (all risks over Table 4 Non-Nicotine): Postpone 45 days

These guidelines will apply to new formal and informal cases, as well as any cases that are currently with Symetra where an underwriting decision has not been made.

We will continue to require a good health statement on all cases.

Smokers must be Preferred or better, otherwise they will be postponed. We will decline any cases over age 60 where the proposed insured vapes or uses vaping products.

Cases ages 60 and older with the following comorbidities will be automatically postponed for 45 days: coronary artery disease, diabetes, pulmonary issues, obesity/weight builds and immunosuppression disorders.

Please note that for any cases that are postponed, Symetra will re-underwrite the risk and review any new additional evidence after the postponement period.

We want to assure you that we are open for business and our team is here to assist you and your clients with any and all of your product, coverage and service needs.

If you have any questions or concerns, please contact your regional vice president or the Symetra Life Sales Desk at 1-877-737-3611.

Transamerica

Updated Underwriting Guidelines

***Forward Together*** Includes the Updated Underwriting Guidelines, New procedure on mailing policies, and changes to grace periods.

Update as of May 4, 2020:

TRANSAMERICA LIFETIME OFFERS MORE ON CASES ABOVE $100K
As paramedical exams are harder to schedule and obtain in the wake of COVID-191, it is important to be able to offer solutions that allow for best rate classes without traditional paramed and fluids.
With a Transamerica LifetimeSM whole life policy of $100,000 or more, your clients could get access to our best rate class of Preferred Elite, avoid medical exams, and add living benefits at no additional premium cost.1
95% of approved Transamerica Lifetime cases $100,000 and above for insured ages 18-65 did not require fluids or labs.3

Update as of April 18, 2020:

To view this email as a web page, click here.
MAJOR IMPROVEMENTS TO HELP YOUR BUSINESS
Unprecedented times call for agile solutions. As COVID-19 concerns continue to grow, we want you to know we’re working hard for your business and your clients. We’re making several updates, including streamlined underwriting, reduced nonmedical guidelines, and changes to traditional paramed requirements up to $2,000,000.
Click the link below to see how we’re responding to COVID-19 and the key changes we’re making to help keep your business competitive and running strong. This page will be regularly updated, so we recommend bookmarking it to stay up to date.
Thank you again for your dedication and resilience during these times. Together, we’ll weather this storm.
VIEW MORE

Update as of April 14, 2020:

MAJOR IMPROVEMENTS TO HELP YOUR BUSINESS
We recently sent you an email outlining some changes we made as a result of the COVID-19 pandemic. Since these changes will affect your clients and how you run your business, we want to highlight a few things as a friendly reminder.
UNDERWRITING AND NON-MEDICAL GUIDELINES
Starting on April 8, 2020, we gave you more options if your clients could not complete paramed exam requirements. This includes non-medical options up to $1,000,000 and additional choices to satisfy medical requirements up to $2,000,000.
SEE DETAILS
NEW POLICIES MAILED DIRECTLY TO CLIENTS
With many “shelter in place” orders in effect and remote working becoming the norm, we’re transitioning to mailing new policies directly to clients to help with social distancing and make it easier for you to conduct business.
LEARN MORE
LAPSE/GRACE PERIOD EXTENSION
COVID-19 is dramatically affecting many clients, both personally and financially for some. With that in mind, we’ve revisited our policy grace and lapse situations by extending payment due dates — similar to how we respond to natural disasters.
VIEW CHANGES
We will be continually updating the Transamerica COVID-19 landing page as new details become available. Please bookmark this page and check back for updates. Thank you again for all you do. Together, we’ll weather this storm.

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