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Advanced Underwriting

Quick Links

AIG

American Amicable


AMERICO

Ameritas FLX Term

Columbian Financial Group - CFG

CVS

Ethos

Foresters

  • Strong Foundation - Application

  • SF Searchable

  • Strong Foundation & SmartUL - UW Guide

  • Foresters Playbook

  • Critical and Chronic Issue age 75 and younger / Terminal all ages
     

  • PlanRight - Application 2019

  • PlanRight - UW Guide 2019(includes RX combos for Diabetes resulting in BASIC DB)
     

  • Juveniles 

    • 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.

    • 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.

    • Signature required at 16 and 17, plus parent per above.

    • BrightFuture and Prepared II are excluded from these new requirements.


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  • Bright Future (0-17)

    • Product Guide

    • ADB Terminal Only, Common Carrier AD, Family Health Benefit

    • Age 16 will get member benefits, 18 for LawAssure and Community Grants​

    • Executor of Estate becomes owner if parent dies before child is 18.

    • Child at age 18 becomes owner

    • Member Benefits at age 18 for scholarship $2500 per year up to 4x = $10,000

    • G.I. Rider would be for UL or Adv Plus with LB.
       

  • Immigration Guidelines

  • Member Benefits

  • Replacement Guidelines

  • Quoter

 

Gerber Life

 

Government Personal Mutual - GPM


Great Western

John Hancock


Mutual of Omaha

​NASSAU RE

National Life Group / LSW

Oxford

  • Height & Weigh Table - refer to Oxford Site
     

Prosperity

Royal Neighbors

CFG
Foresters
MOO
CVS
NLG
TransAm

TransAmerica

Immediate Solutions/Final Expense 2023

Term LB and Super

Immediate Solutions 2019 - VOID DO NOT USE


Misc

Advanced underwriting for field agents  with Equis Financial Insurance

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