Accelerated / Lab-Free Underwriting Programs
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.
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.
Massmutal
Fluidless Program
- Eligible for ages 17-50
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All term and individual whole life insurance products, including High Early Cash Value (HECV).
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MassMutual’s Survivorship Whole Life and CareChoice products are not eligible.
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Available for face amounts up to and including $1 million.
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All five standard or better classes are available:
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Ultra-Preferred
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Select Preferred
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Standard Non-Tobacco
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Select Preferred Tobacco
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Standard Tobacco
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Available riders include Life Insurance Supplement Rider (LISR), Additional Life Insurance Rider (ALIR), Guaranteed Insurability Rider (GIR), Renewable Term Rider (RTR), and Waiver of Premium Rider (WP).
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The Long Term Care Access Rider (LTCR) is not eligible.
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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.
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
Securian
WriteFit
Single-Life Products, excludes WriteFit Express, SecureCare and must meet age and product specific guidelines.
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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
Swift Term
Ages 20-60 up to $3,000,000
Products: Term Life Products
10,15, 20 or 30 years
Super Preferred, Preferred, Standard Non-Nicotine & Preferred, Standard Nicotine
*30 year term maximum issue age 50
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Permanent Accelerated
Ages 18-50: up to $3,000,000
Ages 51-60: up to $2,000,000, if they receive a Standard rate class or better.
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)
United 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.