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Tier One | Underwriting Series: #2

Continuing in our Great Underwriting blog series, let’s talk about Tier One carriers:

Tier One – You’ll see most of these carriers on iPipeline. Some must be quoted using the carrier’s website. Although nearly every carrier has an underwriting niche, please consider the below carriers for your “cleaner cases”. To request an impaired health risk assessment for a Tier 1 carrier, please email me at and use the phrase “Risk Assessment Form” in the Subject line.

  • American National (ANICO) – UL & Whole Life Only

  • Ameritas FLX Living Benefits Term^

  • Assurity Term Life Insurance or Living Benefits Term (Critical Illness &/or Disability Rider)^*

  • Banner OPTerm

  • Corebridge (formerly AIG) Select-a-Term or Quality of Life (QoL) Living Benefits Term^*

  • Foresters Your Term w/ Living Benefits^

  • GTL TurboTerm*

  • Illinois Mutual Path Protector Plus*

  • Lincoln Financial Group TermAccel or LifeElements Level Term

  • Mutual of Omaha (United of Omaha) Term Life Answers

  • Nationwide Guaranteed Level Term

  • North American ADDvantage Term Gen 9 w/ Living Benefits^

  • Protective Classic Choice Term

  • Protective Custom Choice UL

  • Prudential Term Essential

  • Securian Advantage Elite Select Term

  • Symetra Term 5.0

^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.

Feel free to connect!


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