• All
  • COVID-19
  • SBLI
  • New York Life
  • Woman's Life
  • Lincoln
  • PacLife
  • AIG
  • American National
  • Symetra
  • Principal
  • Foreign National
  • NFG Brokerage
  • Columbus Life
  • Prudential
  • Life of the Southwest
  • National Western Life
  • Pacific Life
  • Securian
  • Mutual of Omaha
  • Equitable
  • Mutual Trust
  • Protective
  • John Hancock
  • Global Atlantic
  • North American
  • Nationwide

AIG COVID-19 underwriting guidelines effective 12-14-20

With the continued surge in COVID-19 cases across the country, we are now seeing new records in positive cases, hospitalizations and number of deaths per day. For this reason, we need to put a hold on our plans to relax our temporary COVID-19 guidelines, and for some cases we are reinstating stricter guidelines. We understand […]

Columbus Life Revised COVID-19 Underwriting Guidelines

As COVID-19 treatments continue to improve and new information is discovered, we are pleased to announce that we have revised our temporary COVID-19 underwriting guidelines to help provide more opportunities for cases to be underwritten, approved and issued. Below are the most notable changes for life insurance applications received October 26, 2020, and after (and until […]

AIG COVID-19 Underwriting Update

 As COVID-19 case numbers improve across key markets, is announcing that they are revising their temporary guidelines to provide more opportunities for cases to be underwritten, approved and issued. These guidelines are effective immediately.   Ages below 50  All cases assessed greater than Table D and/or all medical flat extras will be postponed.  No change.  Age […]

Important Changes to Application Processes at Principal

The response to our temporary guideline adjustments announced at the end of July has been very positive. We appreciate your support. And we hope you see and feel the value you and your clients receive by submitting your term business via Drop Ticket and utilizing all Principal® Life Online and Accelerated UnderwritingSM have to offer. Application activity has […]

Global Atlantic Opens Foreign National and Underwrites to age 79

In March 2020, Global Atlantic announced temporary underwriting guidelines to address the risks associated with the Covid19 pandemic. These changes were necessary to ensure that Global Atlantic’s underwriting philosophy and processes remain a strategic advantage in a rapidly changing environment. We are pleased to announce the following updates to the temporary guidelines put in place […]

Protective Improves Temporary Underwriting Guidelines

Protective just announced improved Temporary Underwriting Guidelines to what was introduced on 4/15/20. The new guidelines have been simplified for ages 60-79. These improvements are outlined below and we have attached the official bulletin that provides additional details.  If you have a current case that was postponed due to prior guidelines, please reach out to our team to […]

EMSI Ceases Operations

On July 6th EMSI announced that they ceased operations as of July 3rd.  EMSI was an exam provider, APS service, and was part of many insurance companies drop ticket process.  We are verifying which cases and what insurance companies are affected by this sudden shutdown.  If you have any questions please communicate with your case […]

Update to SBLI’s Response to COVID-19

SBLI continues to closely monitor the COVID-19 pandemic and its impact on our business. We stand ready to support you through these challenging times, so let us know what we can do to help you. Please note the following temporary changes effective April 17, 2020. Underwriting Operations Update Temporary Age Adjustments for Life Insurance Applications For […]


Today, we are announcing temporary changes to our underwriting guidelines as they relate to older ages, smokers and clients with additional comorbidities. These changes are an update to our March 24, 2020 communication and will be effective Wednesday, April 15, 2020, until further notice. Changes are detailed below. Ages 80 and above: Postpone 45 days […]

Underwriting Update – New Business from John Hancock

We are open for business and can offer you and your clients our full underwriting capacity up to age 79.  In addition, we will allow your clients to be examined by their own doctor and we will provide the necessary exam form and lab kit to their offices. However, our updated underwriting guidelines may also […]

Global Atlantic: Important New Business and Underwriting Updates

We have been monitoring the environment related to the COVID-19 pandemic and the impact on our business. As a result, we are making some additional adjustments to our underwriting guidelines and products. Effective immediately we are implementing the following temporary changes to our underwriting guidelines and individual IUL products. Note: These changes apply to all […]

Protective Life: Temporary Changes to Life Insurance Underwriting Guidelines

Due to the ongoing spread of COVID-19, we are implementing the following temporary changes to our life insurance underwriting guidelines effective April 15, 2020. Note that these temporary changes apply to fully underwritten applications and do not apply to applicants who are approved for instant issue of simplified issue life insurance, including single payment whole […]

Life and Long-Term Care Product Change in Response to COVID-19

In addition to its impact on people’s lives, COVID-19 has also had a major impact on the financial markets, driving interest rates to all-time lows. After careful consideration, we have decided to implement certain changes to our life and long-term care insurance products in light of this environment. These changes apply to any application with […]


As the COVID-19 situation continues to evolve, we recognize the difficulty in obtaining client exams and APS’s. That’s why we are pleased to announce our accelerated underwriting solution. These changes will allow us to offer: Ages 18-50 Up to $2 million UW Class Standard – Super Preferred Ages 51-60 Up to $1 million US Class […]

COVID-19 Life Underwriting Update Temporary Underwriting Guideline Changes Effective April 13, 2020

Beginning Monday, April 13, 2020, the following updates will apply to all pending and new submissions of Lincoln individual life insurance policies, including Lincoln MoneyGuard®. Lincoln will re-evaluate our position in June 2020, as the COVID-19 pandemic evolves, and/or as the Centers for Disease Control and Prevention (CDC) and World Health Organization (WHO) gives further […]

Woman’s Life: Temporary Guidelines for Underwriting effective April 10, 2020

As we experience these uncertain times and the impact of COVID-19, Woman’s Life is adopting temporary changes to our underwriting approach. Effective April 10, 2020, our underwriters will pay close attention to proposed insureds with relevant underlying co-morbid conditions as follows: lung disease, diabetes, cardiovascular disease, cancer, chronic respiratory disorders, renal disease, frailty, and hypertension. During […]

WEBINAR: What You Need to Know About the CARES Act

On April 23rd at 9am Mountain Time, we are hosting a webinar covering what you need to know about the CARES Act recently passed due to the COVID-19 outbreak.  We have invited Global Atlantic’s Randy Zipse & Lina Storm, both with significant experience and impact in Advanced Markets not only with Global Atlantic, but throughout […]

AIG Underwriting Update

We are actively monitoring the fast-moving developments of COVID-19 and continually reassessing our business practices. As such, today we are implementing the underwriting actions outlined below. We are taking action in response to unprecedented times. When the situation has improved, it will be our goal to revert to our normal standards quickly. As we announced […]

Coronavirus Stimulus Package: Possible Benefits for Insurance Agents

The President signed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) on Friday, March 27, 2020. This GUIDE included in this post covers how the CARES Act impacts you as an Insurance Agent. The CARES Act, along with prior legislation recently passed (including Families First Coronavirus Response Act and IRS Notices 2020-17, 2020-18, and 2020-20, […]

Nationwide Temporary Life Insurance Underwriting Adjustments for COVID-19

Given the challenges of collecting information for underwriting, submitting applications via our Nationwide Intelligent Underwriting process is the best choice. Our Intelligent Underwriting process is being expanded to allow increased acceleration rates for qualifying clients, including those qualifying for the Standard rate class. Additionally, we will consider alternative sources of medical information when an exam […]

Important updates: John Hancock Underwriting and COVID-19

At John Hancock, we continue to evaluate and adjust our underwriting practices to account for the unprecedented circumstances under which we are all working. Today, we have two important updates to share. John Hancock’s Human API portal now available to all distribution partners In order to expedite the underwriting process for cases where medical records cannot […]

Prudential: COVID-19 Update Underwriting Procedures

Prudential has been actively monitoring the rapidly changing environment due to the impact of the COVID‐19 pandemic. We are focused on helping customers with their life insurance needs during this challenging time. Given social distancing, office closures, and restricted access to medical personnel, today, we are announcing some changes to our underwriting procedures to ensure […]

Important Information from Global Atlantic

In an effort to keep you informed during these uncertain and challenging times, we have compiled a number of important updates about our business processes and other resources for you. Below is a list, along with a brief description and hyperlink, to recent communications. Global Atlantic Financial Strength Resources Overview of Global Atlantic and Accordia […]

AIG Update: APS relaxed criteria

The AIG Field Underwriting Guide has been updated to reflect the following changes, effective April 3: APS criteria relaxed for these case categories: Age 18-39: Changed from $2 million to $3 million. Age 40-59: Changed from $1.5 million to $3 million when routine physical exam (PE) is within past 3 years. If you need help […]

North American COVID-19 Update: Enhancements to keep your business moving forward

Effective immediately, any pending cases with an outstanding paramed exam that fall within the WriteAway process criteria are able to complete the Online Part 2 or tele-interview, instead of the paramed exam. WriteAway criteria: Ages 18 – 50: $1 million or less Ages 51 – 60: $500,000 or less While WriteAway is designed for clients […]

Coronavirus Stimulus Package: Top 15 Things to Know

Global Atlantic created a very nice 2-Page fact sheet on the top 15 Things to Know for the recent Coronavirus Stimulus Package.  This is a quick read and very useful to help you with your clients.  Please see the PDF attached in this POST.    

COVID-19 and doing business with John Hancock

At John Hancock Insurance we have taken the time to carefully review our underwriting practices to determine how we can evolve them in the current circumstances. While our normal underwriting practices continue, we are pleased to share three important ways we’re making it easier for you and your clients to secure coverage during these challenging times: Establishing […]

New York Life Underwriting Update: Temporary Changes for COVID-19

Underwriting without a paramed exam Use paramed vendors where possible Where paramed services are still available, requesting the completion of normal age and amount requirements, including the Expanded Blood Draw (EBD) and electrocardiograms (ECG), are still the preferred option, allowing applicants to be underwritten through the standard process. In response to COVID-19, our underwriting vendors […]

PacLife – Lynchburg: Underwriting and Operation Updates COVID-19

Temporary Underwriting Requirement Adjustments There may be situations where we are unable to obtain traditional medical requirements due to either vendor closure or limited staff. In those circumstances, we’re temporarily offering an alternative to underwriting for pending or newly submitted formal applications. For applicants that meet all the following criteria, Pacific Life will use other available data […]

Equitable: : Temporary Streamlined Underwriting Program

Equitable has announced a Temporary Streamlined Underwriting Program for accumulation focused products. Eligibility Clients up to age 55 Face Amount up to $2,000,000 Products: COIL Institutional SeriesSM, VUL OptimizerSM, BrightLife® Grow For VUL OptimizerSM and BrightLife® Grow ONLY, illustrated funding must reflect equivalent of target premium or greater in each of the first five policy […]

Mutual Trust: COVID 19 Announcement

In short, Mutual Trust is continuing to provide the great service that you’ve come to expect from us! Here are a few things to keep in mind as the country practices social distancing: No restrictions if it’s not face-to-face – If you’re not face-to-face with your client when you obtain their application, just let us know […]

Global Atlantic Life: Important New Business and Underwriting Updates

Effective immediately we will be implementing the following New Business and Underwriting guidelines, until further notice. Updated New Business Guidelines These New Business accommodations are temporary and may be withdrawn by the company at any time. Non-resident solicitation (cross border) rules and time-of-application requirements will continue to be strictly enforced. Completing an Application and Submission We will […]

AIG & AIG Partners Group Underwriting Update: Foreign Travel to Italy, South Korea, China/Hong Kong

As the impact of the coronavirus (COVID-19) is felt across the globe, we are monitoring advisories by federal and international agencies to determine how it may affect our underwriting in cases where the applicant will be travelling abroad. Based on the latest information available, effective Monday, March 9, we will Postpone cases with planned or […]

American National’s Response to Coronavirus

Like you, we at American National are taking COVID-19 seriously and are doing everything we can to protect our employees while continuing to provide excellent service to our clients. We are closely monitoring the evolving situation and continue to follow guidance from the World Health Organization (WHO), the Centers for Disease Control and Prevention (CDC), international, […]

Prudential: April 2020 Index Cap Updates on IUL

Prudential Announces Changes for IUL Based on the recent economic conditions linked to COVID-19, significant changes in interest rates and the spike in market volatility will cause IUL index parameters to be adjusted. We strive to balance financial discipline and impacts to the index accounts and the upside they can offer. However, given the significant […]

Protective: New Premium Limits for Certain Life Insurance Product

Protective Life is committed to serving our customers and providing valuable products. Due to the current interest rate environment, and particularly the decrease in yields over the past few weeks, we find it necessary to implement new premium limits for certain products. Effective March 30, 2020, in all states including New York, the following annual […]

Symetra: Update on Underwriting COVID-19

The COVID-19 situation continues to progress at a rapid rate. As such, we are constantly assessing our guidelines and procedures to ensure that they are evolving with these unprecedented events. We are continuously monitoring updates from the U.S. Department of State, CDC, as well as local, state and other federal agencies. We are committed to […]

John Hancock Underwriting: Current Outbreak of Novel Coronavirus (COVID-19) Disease

As the situation around the COVID-19 pandemic evolves, John Hancock Underwriting remains focused on continuing to deliver critical services and solutions to our customers. To that end, we want to share with you how our underwriters are assessing your applications at this time. We will continue to follow our guidelines related to the evidence required […]

Principal: Individual life underwriting update: COVID-19

The coronavirus (COVID-19) pandemic has created unprecedented times. Our first concern is for the safety and well-being of our customers, business partners, and employees. Principal® has worked to create a safe environment for our employees and we’re hopeful for the same for our customers and business partners. The completion of underwriting requirements, specifically insurance exams, is more […]

Mutual of Omaha Underwriting Update

As COVID-19 cases increase within the United States and around the world, Mutual of Omaha is issuing the following underwriting guidance on new and pending applications for life and health products (Accidental Death, Long-Term Care, Disability Income, Critical Illness, Cancer, and Heart Attack & Stroke), effective immediately: If the proposed insured or any member of […]

Protective Underwriting and New Business Updates

Protective’s New Business and Underwriting teams are fully functional and processing business. Service levels are steady, and we are in continuous contact with our vendor partners. Here are additional updates on Protective’s operations: Protective encourages the use of electronic applications, and we’ve streamlined some new business procedures to help you practice social distancing. See ‘Processing […]

North American Update on Underwriting New Business

As we continue to monitor the COVID-19 situation in our country, we want to ensure we’re providing you the flexibility and resources you need to continue to run your business and protect clients. Additionally, we appreciate your patience as we worked through our business continuity plans last week. Thank you for continuing to choose North […]

Your Accelerated/Non-Med Resource

Prior to the COVID19 pandemic we were hard at work getting the Accelerated Underwriting or No Exam programs for Traditional Life Insurance products summarized into a useful format for those connected to us.  I’m happy to say that this is completed and we have a great resource for you attached to this post! Other Resources […]

Principal: Temporary IDI underwriting guideline changes in response to COVID-19

Effective immediately, the individual disability insurance (IDI) underwriting department at Principal® is changing underwriting guidelines for exams and labs. These changes will be effective through May 31 and will be revisited regularly as the pandemic news unfolds. Labs and physical measurements No physical measurements and labs are needed for up to the amounts listed below. For amounts beyond those listed […]

Columbus Life eResources

Columbus Life is the highest rated IUL provider, provides simple to understand indexing strategies, and competitive products.  Below is a reminder of the eResources they have available for you during this unprecedented time. Mobile Apps CLIC Mobile — Track the status of pending business, communicate directly with new business and underwriting, reply to outstanding requirements […]

Life of the Southwest: Critical Foreign National Underwriting Update

Earlier this year, the World Health Organization declared a health emergency around the Coronavirus, which originated in Wuhan City in Hubei province of China.  Effective January 30th, the U. S. State Department updated the travel ban list to now restrict travel from this part of the world into the United States (Level 4 Travel Ban). […]

Life of the Southwest: EZ Underwriting Limits are Now $3 Million

National Life is pleased to announce that it has temporarily raised its EZ Underwriting limits to $3 million for all permanent life insurance products, effective immediately. We will carefully monitor the COVID-19 situation to determine if future changes and updates to our limits are warranted. This enhancement impacts our FlexLife, PeakLife, Living Life by Design and […]

National Western Life – Remote Application Process

National Western Life recognizes the importance of providing flexibility during the unprecedented times we’re currently experiencing related to COVID-19. Effective immediately and until further notice, we’ve implemented the following changes to our new business processing. Product Availability There are currently no changes to the availability of our product offerings, however we will communicate product related changes […]

Face Amount Limit Change for PL Promise GUL Starting April 1, 2020

In response to decreasing market interest rates as well as rapidly changing market conditions related to the national emergence of the COVID-19 (Coronavirus), Pacific Life will limit new PL Promise GUL1 business to face amounts of $2.5 million or less effective Wednesday, April 1, 2020. PL Promise GUL is a universal life insurance product with […]

Feel Good Friday: Getting Out of the Inbox

Securian Changes Indexing Cap Rates

From Securian… Due to the economic impact of the COVID-19 pandemic, it is necessary to reduce cap rates and participation rates on our Indexed Universal Life product portfolio. These changes will take effect for all premium received and new indexed segments created after Friday, March 20, 2020 . All premium received on or before March […]

Drop Ticket Available!

Did you know or remember that we have a DropTicket platform available for you? We utilize Aplicint Express for our Drop Ticket for Term Insurance.  You can access or register for access by clicking HERE.  The carriers available on this platform include: Banner Life Cincinnati Life John Hancock PacLife Promise (Lynchburg) Protective Life Savings Bank […]

Global Atlantic eResources

In light of our current environment we are making you aware of eResources available at Global Atlantic. UnderRightLife Tool.  This is a microsite and assessment tool (CLICK HERE) to help determine if your client is eligible for the non-med process (FastLane Process).  This is generally available for clients ages 18-60.  The Underwriting rules are listed […]

North American eResources

In light of the current environment, we recognize that it might be difficult for advisors to meet with their clients and conduct business. As such, we wanted to remind you of some helpful resources we have at North American to help both the client and advisor proceed with coverage. Client Application Checklist – This form allows […]

Lincoln MoneyGuard eApp

Lincoln has a long-standing commitment of helping protect client wealth from the risk of long-term care expenses, while improving the overall financial professional and client experiences. Our latest addition, eApp, ensures that your paperwork is submitted in good order, so you avoid the hassles of resubmissions. Join Carolyn Burges and MoneyGuard Underwriting Account Executive, Mike […]