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Tier Two | Underwriting Series: #3

Third in the series of Great Field Underwriting - Tier Two carriers:

These No Exam, simplified underwriting plans, will allow you to help your non-Preferred clients get coverage faster and easier. If you properly field underwrite our client’s situation, most applications will be issued in a matter of days, not weeks.

Consider these options for your clients seeking smaller death benefits and that would likely be table rated up by a Tier One carrier due to weight, diabetes, sleep apnea, family health history, or other moderate health condition. These plans are either approved or declined. Table ratings are “built into the rates”.

Underwriting is all “digital”. Carriers pull reports such as the MIB, Driving Record, Rx Check, & others. If the reports coincide with the application questions, a policy is most likely approved. To screen your client, use the attached pdf titled “Tier Two APP Questions” check the underwriting manuals to see which carrier your client may qualify for.

  • Allstate Simplified Issue 5 Year Term live or Term Life with Critical Illness*

    • If the client passes the underwriting questions, Rx / MIB Check, the policy is issued with next day coverage

    • Only 7 simple Yes/No questions to qualify

    • Modest underwriting

    • Death Benefit Range: $20,000 to $100,000

  • Ameritas FLX Rapid Standard Living Benefits Term^

    • Best in class Living Benefits

    • Simple / Fast Underwriting

    • Death Benefit Range: $50,000 to $300,000

  • Foresters Strong Foundation w/ Living Benefits^

    • Very Strong with well-maintained Type 1 & 2 Diabetics

    • Built in Living Benefits

    • Fraternal Organization – You’re buying more than ‘just a life policy’

    • Death Benefit Range: $50,000 to $500,000

  • Manhattan Life – Viva Term & Viva Term w/ Living Benefits^*

    • Simple / Fast Underwriting

    • Just 4 Underwriting Questions

    • Death Benefit Range: Term - $25,000 to $250,000 / Living Benefits = $50,000 to $200,000

  • Mutual of Omaha (United of Omaha) Term Life Express w/ Living Benefits^

    • No Sleep Apnea Question!

    • Simple / Fast Underwriting

    • Death Benefit Range: $25,000 to $300,000

  • United Home Life Simple Term

    • Simple / Fast Underwriting

    • Death Benefit Range: $25,000 to $300,000

^Read the carrier manuals so that you understand the complexities of the “Living Benefits” feature.

*Not quoted on iPipeline. You must use the carrier’s website. Contracting is required to access.

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