AIG
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9/15/21: Credit cards accepted.
American Amicable
Home Protector (unisex) or SafeCare (M/F)
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** PHI Age 65 and over for SafeCare,
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***Home Protector: up to age 65. NEED A MORTGAGE
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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Term Impairment Guide (this is outdated but can be used as reference)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
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NO longer offer security word for signature. TEXT OR EMAIL for code OR email full app is only option.
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
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No Build Chart for Day1 coverage
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
2024 - New Final Exp by RNA
2022 - VOID
TransAmerica
FE Express NEW 2024
Term LB and Super
Misc
VOID - DO NOT USE TransAmerica (Solutions)
Immediate Solutions/Final Expense
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Juvenile is 0-17
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UW Notes 2024
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Activity credit only applies to Heart Disease, Respiratory/COPD, Build
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Heart Disease by itself is Preferred. If combined with another condition that is rated STD, then the Heart Disease will be rated STD.
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Diabetes and Heart disease without Activity Credit = GRADED
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Diabetes and Heart disease with Activity Credit = STD
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Respiratory/COPD and Heart disease without Activity Credit = GRADED
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Respiratory/COPD and Heart disease with Activity Credit = STD
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Standard Build with Heart Disease without Activity Credit = GRADED
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Standard Build with Heart Disease with Activity Credit = Standard
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OLD DOCS - DO NOT USE
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