Instant Decision Products
Banner Accelerated Underwriting
Products: OpTerm (10, 15, 20, 25, 30, 35, and 30)
Issue Ages and Face Amounts:
Ages 20-60 up to $2,000,000
Underwriting Classes: Standard Plus or better (Including Preferred Tobacco)
How to Submit:
SwiftApp
IGO
InstaApp
Options:
Digital Application Platform (e-Interview) or AppAssist
If not qualified for exam-free, the carrier will look at eligibility for the Lab Lift program.
Based on date of last blood work and physician information collected within the digital application process, they will determine if an attending physician statement (APS) can be used as a substitute for a paramedical exam and fluids — by pulling medical data and lab results from recent physician visits. All rate classes, including Sub-standard, are eligible for the program.
Resources:
SimpliNow Choice Instant Decision:
Products: Term and UL
Issue Ages and Face Amounts:
Term: Ages 20-59: Up to $2,000,000
Ages 18-59: Up to $1,000,000
Part B completed by the client online
How to Submit:
IGO E-App
Resources:
Lincoln Real-Time Offer
Products: TermAccel , LincXpress (Single-life only), and LifeElements Term and IUL ticket submissions
Issue Ages: 18-60
Face Amounts: $2,500,000 and less
Digital Underwriter review takes places during the client interview
Underwriting Criteria:
- Only available for cases assessed through the automated underwriting process
- Client must be approved lab-free-
- Good Health Statement and Insurability Supplement is not required for cases approved via Real-Time Offer
How to Submit:
IGO E-App
Options:
Tele Interview or Online Interview
Symetra SwiftTerm
Three potential underwriting paths
- Instant approval
- Accelerated underwriting
- Full underwriting
Your licensing paperwork needs to be at the carrier prior to submitting a SwiftTerm application.
Products: Term products
Issue Ages: 20-60 (50 Years old for 30 Year Term)
Face Amounts: $100,000 – $3,000,000
How to Submit:
IGO eApp
Options:
Online Application
Resources: