Did you know that the underwriting process for juveniles up to $5,000,000 of whole life coverage is much simpler than writing adult life insurance policies, and does not require exams or labs? To learn more, review Mass Mutual’s guidelines for juvenile life insurance.
No more EKG as a routine requirement for all ages and face amounts. Plus, increased overall capacity for professional athletes, entertainers, and celebrities.
Securian Financial has developed a reputation for improving underwriting standards through ongoing research and development. Many factors go into an underwriting decision. These updated guidelines are for recreational use of marijuana.
We’ve simplified the process with a new streamlined approach that helps you every step of the way.
Technology is an incredibly effective tool to move your business forward while keeping people at the heart of what you do.
The Horizon Experience offers the customized and personalized service your clients want — whether that’s a solo journey through our digital app, some help along the way from an advisor, or a hand from our skilled call center team.
Explore how we’re making the process of getting term life insurance as easy as
1-2-3. We are here for you and your clients, making purchasing life insurance simpler, faster and more flexible
See how easy life insurance can be with the Horizon Experience
Through ongoing research and development, Securian Financial has earned a reputation for improving underwriting standards. They can offer competitive underwriting decisions for recreational marijuana, tobacco and non-combustible tobacco use through various underwriting initiatives. View the guidelines below to see if your client qualifies.
RECREATIONAL MARIJUANA GUIDELINES
Now when applying for new PL Promise Term¹ life insurance policies, you and your clients can enjoy the convenience and clarity of one seamless underwriting process with higher face amounts, broader age requirements, and fewer restrictions.
PAL+ combines the former PL Swift and PL Smooth Sailing underwriting programs into one cohesive, all-digital life insurance experience.
Sounds good, right? Click HERE for more information.
Agile Underwriting+ (AU+) is AIG’s streamlined underwriting process that provides a path to policy approval that may not require an exam, labs or APS records.
Available for:
More information available HERE.
Effective July 12, 2021, Lincoln Financial will be implementing pricing improvements to Lincoln MoneyGuard® III, Lincoln MoneyGuard® II and Lincoln MoneyGuard® II NY.
The purpose of these pricing updates is to improve competitive pricing in key cells. There will be no pricing increases as a result of this update.
After a transition period, currently sold MoneyGuard® products will be replaced by the following:
▪ Lincoln MoneyGuard® III (2021) – 07/12/21 will replace currently sold Lincoln MoneyGuard® III (2021)
▪ Lincoln MoneyGuard® II (2020) – 07/12/21 will replace currently sold Lincoln MoneyGuard® II (2020) – 06/14/21 in the state of California.
▪ Lincoln MoneyGuard® II NY – 07/12/21 will replace currently sold Lincoln MoneyGuard® II NY – 06/14/21 in the state of New York.
More information available HERE.
$3 million face amount limit is here to stay!
We’re excited to announce the temporary WriteFit face amount limit of $3 million for applicants ages 18 through 50 is here to stay. Many of you have taken advantage of this limit increase over the last year. With one of the highest acceleration rates in the industry, you can be confident your clients’ underwriting experience will be fast and easy.
To learn more and see which of your clients might fit into WriteFit, visit our interactive website.
Due to the overall improvement in the Coronavirus impact, we are pleased to report that Pacific Life’s temporary COVID-19 underwriting guidelines are being lifted, effective 6/30/21. We will continue to monitor the situation, reevaluate as needed, and communicate any changes.
• Ages 70 and below returning to pre-pandemic underwriting guidelines
• Allowance up to and including Table 6 for ages 71-80