One Seamless Process, Three Possible Pathways: You Apply, We Do the Rest
We offer choices for a customizable approach to underwriting. With our streamlined underwriting, your application is intelligently routed for the least invasive underwriting method possible. For example, if your applicatio is first considered for accelerated and they do not qualify, it is automatically considered for modified underwriting where a physical with full lab work within the past 12 months from your doctor is required. If you don’t qualify for the modified underwriting pathway, your’re automatically pivoted to traditional underwriting.
Accelerated
No medical exams,* No attending physician statement (APS)
Up to $3M single life coverage, ages 18-60
Standard or better risk class
Optimized with eApplication or eTicket
Choice of online or phone health history with eApplication†
Modified
Physical with labs required within the past 12 months
Up to $10M of single or survivorship coverage, ages 18-70
All risk classes including substandard
All application methods
Choice of online or phone health history with eApplication or paper application†
Traditional
We’ll notify you of any additional requirements for your application
All ages, all face amounts
All application methods
Choice of online or phone health history with eApplication or paper application†
* The issuance of the policy may depend upon answers to the health questions contained in the application.
† eTickets require phone health history.
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