08/17/2023
Almost all carriers have come out with Accelerated Underwriting programs for Term and some Universal Life / Whole Life. Depending on the clients age, health, amount of insurance it will depend on what they qualify for. Your team here at Designs in Life has put together their favorite carriers / programs. E-application is available for all options below, easier to process business with and the carrier does most of the work. We also see the most success at accelerated underwriting approval.
• Banner Life-Accelerated Underwriting program- Ages 20-60, Term products (10,15,20 or 30 year). Preferred Plus, Preferred, Standard Plus and Standard risk classes available. Instant issue if qualifies, if not, they will be fully underwritten. E-policy delivery only.
• Pacific Life – (PAL+) Acc. Underwriting program - Best fits ages 18 – 60 at a Standard risk class or better with a physical and blood work drawn from a primary Dr. in last 12 month. May qualify up to $3,000,000 on Term and up to $2,000,000 on the Promise Guaranteed Universal Life. if qualifies offer can be made around 10 days. E-policy delivery is available.
• Symetra – Instant Issue Available – Need to be Contracted with Symetra first, only for personal policies not Business life policies. Best fits ages 18 – 50 may qualify up to $3,000,000, ages 51 – 60 up to $2,000,000. Standard rate class or better classes. E-policy delivery only.
Call us today at 800-999-9993 ext 7007! Or visit our website at Designsinlife.com!
