Advanced Underwriting
Quick Links
AIG
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9/15/21: Credit cards accepted.
American Amicable
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Term Made Simple (pref rates available>only with NO RX)
AMERICO
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Term Impairment Guide (this is outdated but can be used as reference)
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AD: 30 yr to age 50 / 20 yr to age 60
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7/5/22: 40k Face, Min Age=40 , NO Driver License or Felony Q or UW
Ameritas FLX Term
Columbian Financial Group - CFG
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Telesales = Telephone Interview for Face Amounts over $100,000
CVS
Ethos
Foresters
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Critical and Chronic Issue age 75 and younger / Terminal all ages
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PlanRight - UW Guide 2019(includes RX combos for Diabetes resulting in BASIC DB)
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Juveniles
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For SMART UL and Advantage Plus II, if the Proposed Insured’s age is LESS than 16 and the Owner is NOT the Parent or Legal Guardian, you need both the Owner’s and the Parent or Legal Guardian’s signatures.
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For Term, SMART UL and Advantage Plus II, if the Proposed Insured is age 16 or 17, the signature of their Parent or Legal Guardian is required.
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Signature required at 16 and 17, plus parent per above.
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BrightFuture and Prepared II are excluded from these new requirements.
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Bright Future (0-17)
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ADB Terminal Only, Common Carrier AD, Family Health Benefit
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Age 16 will get member benefits, 18 for LawAssure and Community Grants
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Executor of Estate becomes owner if parent dies before child is 18.
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Child at age 18 becomes owner
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Member Benefits at age 18 for scholarship $2500 per year up to 4x = $10,000
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G.I. Rider would be for UL or Adv Plus with LB.
Gerber Life
Government Personal Mutual - GPM
Great Western
John Hancock
Mutual of Omaha
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NASSAU RE
National Life Group / LSW
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Height & Weigh Table - refer to Oxford Site
Prosperity
Royal Neighbors
TransAmerica
Immediate Solutions/Final Expense 2023
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Juvenile is 0-17
Term LB and Super
Immediate Solutions 2019 - VOID DO NOT USE
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9/15/21: credit cards accepts, max age 85 reinstated.
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credit card: https://creditcardtoken.transamerica.com/
Misc
Advanced underwriting for field agents with Equis Financial Insurance