Accelerated / Lab-Free Underwriting Programs

AIG

Applications for ages 18-59 will start the AU+ process and default to the

tele-interview, regardless of rate class.

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Banner

AppAssist

OPTerm 15, 20, 25, 30, 35, 40

Ages 20-40: $100,000 - $1 Million

Ages 41-45: $100,000 - $750,000

Ages 46-50: $100,000 - $500,000

OPTerm 10

Ages 20-50: $100,000 - $500,000

Standard Plus Nonsmoker or better

Lab Lift

- Ages: 20–60

- Comprehensive physical within the last 18 months that includes complete blood work.

- Applicants can apply for up to $2 million in coverage (including any existing coverage with Banner Life that is not being replaced).

Cannot be used for replacements in New York. 

Cincinnati Life

-Ages: 18-50 (based on actual age)
-Face Amount: $100,000-$1,000,000
-Products: Term 10-, 15-, 20-, 25-, 30-year
ROP Term 20-, 25-, 30-year
-Underwriting classifications: Standard NT or better (Includes non-smoking tobacco users; see guide for details)
Not available in California or New York.

ExpressTrack
-Ages: 18-60
-Face Amount: up to and including $3 Million
-Products: Term and Permanent
(including LTC Rider)
-Generally considered Standard or better

 

Not available in New York.

Lincoln

LincXpress

- Ages 18-60

- Face Amount: $2,500,000 or less

- Product: LifeElements Level Term

- Consideration for all preferred plus, all preferred and most standard rate classes

TermAccel

- Ages 18-60

- Face Amount: $100,000 - $1,000,000

- Product: TermAccel 10, 15, 20 or 30-year terms

Not available in New York. 

Mutual of omaha

Accelerated Underwriting 

• Issue Ages: 18-60
• Face Amounts: $100,000 - $2,000,000
• Products Available: Term Life Answers (10-, 15-, 20- and 30- year), Income Advantage IUL and Life Protection Advantage IUL
• Applications: Speed eTicket (Drop Ticket)

Jump on the Express

The Express life insurance products offer simplified underwriting and application processes. Please see additional information below.

Face Amounts vary based on age

Products: Term Life Express, Indexed Universal Life Express, Guaranteed Universal Life Express, Living Promise Final Expense, Children's Whole Life, Guaranteed Advantage

Not available in New York. 

JOhn Hancock

Intelligent Underwriting

• Ages 18 and older
• Face amounts of $100,000 and above
• U.S. citizen or permanent resident (10-year green card status)
• Build within published Preferred limits

• Products: Guaranteed Level Term
(10, 15, 20, 30), No-Lapse Guarantee UL II, YourLife Indexed UL Accumulator or Protector, YourLife Current Assumption UL, YourLife WL 100, YourLife 20-pay WL

Not available in New York. 

Pacific Life

Pacific Accelerated Life+ (PAL+)

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Not available in New York. 

Principal

Accelerated Underwriting

-Ages 18-40: up to $3,000,000
           41-50: up to $2,500,000
           51-60: up to $2,500,000
           20-60: up to $5,000,000
-Products: Term, UL Provider Edge II, UL Flex III, IUL Flex II, IUL Accumulation II, UL Income IV, VUL III


*Please the below for additional requirement details.

Available in New York via paper application only. 

 Nationwide

Protective

PLUS

-Ages 18-45: $100,000-$1,000,000
(Select Preferred, Preferred, Standard, Non-Tobacco)
-Ages 45-60: $100,000-$500,000
(Select Preferred, Preferred)

Not available in New York. 

Prudential

FastTrack

-Ages: 18 to 60
-Face Amounts: $100,000 to $3,000,000
-Products: Most Term and Permanent Products (excludes PruTerm One and Survivorship products)
-Nonsmoker or better

Not available in New York for replacement cases.

SBLI/Centrian

Accelerated Underwriting

-Ages: 18-60
-Face Amounts: $750,000 or less
-Products: SBLI Level Term, Whole Life
-All risk classes and table ratings apply

Not available in New York. 

Not available in New York. 

Securian

WriteFit
Single-Life Products, excludes WriteFit Express, SecureCare and must meet age and product specific guidelines.

Ages: 18-50
Face Amounts: $0 - $3,000,000
Standard or better


Ages: 51-60
Face Amounts: $0-$1,000,000
Standard or better

WriteFit Express

Advantage Elite & Select Term Life
- Ages: 16-54 (10-, 15-, 20-year durations)
- Face Amounts: $50,000-$99,999
- Ages: 16-45 (30-year duration)
- Face Amounts: $100,000-$250,000
 

Eclipse Accumulator IUL & Eclipse Protector II IUL
- Ages: 0-17
- Face Amounts: $50,000-$250,000
- Ages: 18-54
- Face Amounts: $100,000-$250,000

Only available for term in New York. The top rating available is Preferred NT when using WriteFit due to the rules in NY.

Symetra

Accelerated Underwriting

Ages 18-50: up to $2,000,000
Ages 51-60: up to $1,000,000
Products: Permanent Life Products
(Chronic Illness Plus rider is not available through this program)
Standard through Super Preferred

Not available in New York. 

William Penn

AppAssist
OPTerm 15, 20, 25, 30, 35, 40
Ages 20-40: $100,000 - $1 Million
Ages 41-45: $100,000 - $750,000
Ages 46-50: $100,000 - $500,000
OPTerm 10
Ages 20-50: $100,000 - $500,000

Lab Lift

-Ages: 20–60
-Comprehensive physical within the last 18 months that includes complete blood work
-Applicants can apply for up to $2 million in coverage (including any existing coverage with Banner Life that is not being replaced)