American General Life is offering a special promotional underwriting program which allows clients who have been underwritten for level term insurance in the past five years to be eligible for the “AG Exam-Free Term(SM) Upgrade”. Prior coverage from nearly all major carriers is eligible Bloodwork and lab tests will generally not be required The program [...]

With Met Life’s favorable “life” considerations, many impairments may be a Standard risk. This underwriting update from Met Life shows four case studies in underwriting Barrett’s esophagus, Hodgkins disease, TIAs, and arterial lesions. Continue reading for the full case studies, including examples of how favorable follow-up and positive lifestyle choices can impact an underwriting decision.

On October 22, 2010, MetLife will launch Rapid eUnderwriting, an innovative underwriting process designed for the buying preferences of younger clients, and to help financial professionals capture a leading share of a $20 billion dollar premium opportunity. This expedited process will turn term policies with lower face amounts around in a matter of days instead [...]

Price alone doesn’t make the sale, and competitive rates are only useful if you can actually get polices issued. Continue reading to see the top ten reasons why you should look at Lincoln National’s underwriting.

Foreign Nationals that spend time in the United States, have significant assets located in the United States, or have a significant connection to the United States may have a need for life insurance. Seeking to transfer wealth from one generation to the next is a common financialobjective that applies to individuals and their families throughout [...]

Prudential has updated underwriting guidelines for avocation and several medical impairments. These underwriting enhancements could have a major impact on your sales. Continue reading for the full list of underwriting changes for aviation, cholesterol, ECG age and amount, elevated liver function tests, family history, coronary artery disease, thyroid cancer, and diabetes.

1. Experience and accessibility 2. Impressive capacity and retention 3. Proprietary underwriting manual 4. Competitive decisions for all ages 5. Progressive approach to underwriting 6. Proven success in offering Standard or better at ages 71+ 7. Ease of doing business 8. “Non-Cigarette” Standard Non-smoker definition 9. Life insurance for US residents traveling and living abroad [...]

John Hancock now has up to $30m retention on individual life policies and $35m retention on survivorship. Continue reading for a competitive comparison of retention limits, including Pru, Axa, Sun Life, Pac Life, Lincoln, and Met.

REAL People, REAL Underwriting. Let’s get real. Many of your clients likely have a medical history or a lifestyle that makes for a challenging situation when it comes to underwriting. At West Coast Life, our flexible approach to underwriting is designed for reallife scenarios. Whether your client has been treated for a previous cardiac event [...]

Axa has updated the Condensed Life Underwriting Guide. Continue reading for the full guide!

Updated American General field underwriting guide.

“I’ve got a client who is very healthy with the exception of elevated cholesterol and a less than optimal cholesterol/HDL ratio. Is there any way to get him a Preferred Plus underwriting offer?” “Yes!” The underwriters of American General Life Companies (American General) utilize creative programs such as Healthy Credits, Preferred Offsets, and Better Choice [...]

Great news! AXA Equitable Life Underwriting is proud to announce offers for additional coverage upon policy delivery without additional medical or financial requirements. All policies will be reviewed when the case is ready for approval to determine if the client qualifies for additional coverage. Policies that do qualify will have a brightly colored page inserted [...]

Our online Medical Underwriting Library has been updated! It now has questionnaires and background information on 148 common impairments. Click here for the medical underwriting library. The library covers a wide variety of conditions, including abdominal aoritc aneurysms, alcohol and drug abuse, atrial fibrillation, many different cancers, heart disease, TIAs, and more. Medical Underwriting LibraryTable [...]

Sun Life has eliminated stress tests as an age/amount requirement for all ages and all face amounts! Recent changes to Sun Life’s underwriting guidelines have simplified many key underwriting criteria, including Super Preferred and Preferred risk class guidelines. As a result, many of your clients may now qualify for more favorable underwriting ratings. The case [...]