COVID-19

COVID-19 Response and Resources

As the COVID-19 pandemic continues to evolve, our Carrier Partners are making changes to ensure that we can continue providing the best service available.

**Please Note: while we are updating daily, our environment is fluid and can change rapidly**

Thank you for your patience and understanding.

** This information is provided for agent & agency use only. **

Vendor Announcements and Guidelines

** If you are unable to open the + below, please enable your web browser to allows for pop-ups. **

ExamOne

APPS

Carrier Announcements and Guidelines

e-Application, e-Delivery and DocuSign Guidelines

American General

E-Application: Yes! Apply Now click here

Accelerated UW: Yes! MaxAccumlator IUL only

E-Delivery: Yes!

DocuSign: Yes! Acceptable with authentication certificate

5/12/21 – Normal Pre-COVID Guidelines are back!

12/11/2020 – Field UW Guide Updated

9/28/2020 – Field UW Guide Updated

8/5/2020 – Field UW Guide Updated

5/15/2020 – Field UW Guide Updated

4/8/2020 – Field UW Guide Updated

4/3/2020 – Field UW Guide Updated
3/31/2020 – FAQ’s

3/25/2020 – Operations Bulletin

Submitting, Tracking and Delivering a Case FAQ’s

American National (ANICO)
E-Application: Yes! Available on the Carrier Website

Accelerated UW: Yes!

E-Delivery: Yes!

DocuSign: Yes! Acceptable with authentication certificate

4/16/2020 – COVID-19 FAQ’s

4/7/2020 – COVID-19 FAQ’s

Exams and Physician Records Difficult to Obtain?

In an effort to help more of our customers obtain the life insurance coverage their families need, American National is temporarily expanding its acceleration criteria in order to approve about 50% more cases without the usual medical exam and APS requirements. These changes are not applicable in New York.

In order to expedite these additional cases:
- Ages 50 and below
- Face amounts $100,000 to $1,000,000
- Paper and Electronic applications
- Many will have automatic table ratings applied
- If medical exam or APS can be obtained at a later date, we will re-underwrite to see if better class is warranted.
Effective April 1st:
- All new business (excluding New York)
- Including all cases that were submitted February and March that are still pending an exam or APS

Assurity

E-Application: Yes! Apply Now click here

Accelerated UW: Yes!

E-Delivery: No

DocuSign: No

Assurity Updates

4/23/2020:

After careful consideration, beginning Monday, April 27th and until further notice, applications for life insurance will not be accepted for applicants age 70 and older.

Applications received in-house prior to Monday, April 27th are unaffected by these changes.

4/6/2020:

Effective immediately, Assurity’s life insurance underwriting department will be suspending the practice of offering conditional receipt coverage upon application submission for all life insurance products. Please do not submit initial premium with new applications regardless of face amount, as any premium for applications taken and submitted after today will be returned. These changes are temporary and will be revisited regularly as this situation changes.

Banner Life (Legal & General)

Cincinnati Life

Equitable (AXA)

Global Atlantic (Accordia)
E-Application: Yes! Available on the Carrier Website

Accelerated UW: Yes!

E-Delivery: No

DocuSign: Yes! Acceptable with authentication certificate

5/3/2021 – Temporary Underwriting Changes

4/15/2020 – Temporary Underwriting Changes

Global Atlantic Updates

As of 4/15/2020: Note: These changes apply to all formal applications not already underwriter approved (or conditionally approved subject to nonmedical requirements) or policies currently out for delivery.

New temporary underwriting guideline changes specific to COVID-19:
- Postponing acceptance of all new applications at age 70 and over.
- Postponing applications for individuals up to age 69 with a rating class higher than Table 4.
- Individuals with chronic underlying conditions at higher risk to COVID-19, including but not limited to, (obesity, cardiovascular disease, diabetes, lung disorders, cancer, and disorders requiring immunosupressive therapy) will be underwritten more prudently during this time.
The following product change is also effective immediately:
- Annual premium limit has been lowered to $5 million per year on all Individual IUL products.

John Hancock

Lincoln Financial Group

Mutual of Omaha (United of Omaha)

North American

OneAmerica (The State Life)

Principal Life
E-Application: Yes! Apply Now click here

Accelerated UW: Yes!

E-Delivery: Yes!

DocuSign: Acceptable with authentication certificate

4/23/2020 – Recent News and Resources

4/9/2020 – Principal Underwriting Updates

3/24/2020 – Principal Underwriting Updates

COVID-19 Resource Page

Inforce FAQ’s

On March 24 we announced Temporary Underwriting Updates to help lessen the difficulty in getting insurance exam requirements completed. As we continue to monitor the impact of COVID-19 we have additional underwriting changes to share with you.
- Insured ages up to 59 will have a maximum table rating of either Table 6 or a flat extra of $10.00/1000
- Insured ages 60-80 will have a maximum table rating of either Table 2 or a flat extra of $5.00/1000
- Ages 81+ will not be considered at any rate class until further notice
For survivorship cases, both lives need to meet the new guidelines. Additionally, risks with a combination of a table rating and flat extra will be postponed, and as a regular practice, we do not convert table ratings to flat extras nor flat extras to table ratings.

These guidelines will be effective for any formal applications dated March 25, 2020 and after. Any formal applications dated prior to March 24, 2020 and received by us April 9 or later will also follow these new guidelines.

Protective Life

Prudential Financial (PRUCO)

Sagicor Life

Securian Financial (Minnesota Life)

E-Application: Yes! Apply Now click here

Accelerated UW: Yes!

E-Delivery: Yes!

DocuSign: Acceptable with authentication certificate

6/23/2021 – Securian Updates

3/26/2021 – Securian Updates

1/21/2021 – Securian Updates

12/21/2020 – Securian Updates

9/3/2020 – Securian Updates

6/3/2020 – Securian Updates

4/14/2020 – Securian Updates

4/13/2020 – Securian Underwriting Updates

Securian Underwriting Updates

Securian Updates

Symetra

E-Application: Yes! Apply Now click here

Accelerated UW: Yes!

E-Delivery: Yes!

DocuSign: Acceptable with authentication certificate

7/6/2021 Underwriting Guidelines Update

10/14/2020 Underwriting Guidelines Update

4/15/2020 Temporary Underwriting Guidelines

4/13/2020 Symetra Underwriting Updates: ACCELERATED UW

3/24/2020 Symetra Underwriting Updates

Symetra Updates

Transamerica

Accuracy of Information & Links to Third-Party Sites Disclaimer:

While the Information is considered to be true and correct at the date of publication, changes in circumstances after the time of publication. The Information may change without notice and LFS is not in any way liable for the accuracy of any information. The Information contained in this site includes information derived from various third parties that are neither endorsed nor supported by LFS. Care has been taken in providing these links as suitable reference resources. However, due to the changing nature of the Internet content, it is the responsibility of the users to make their own investigations, decisions, inquiries about the information retrieved from other Internet Sites. LFS takes no responsibility for the currency, accuracy, reliability and correctness of the above carrier contact information. The user can contact any insurance carrier directly with questions or to confirm accuracy of information and links. Providing this information along with website links does not imply any endorsement, non-endorsement, support or commercial gain by LFS.