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Effective May 12, 2021:
- Temporary underwriting restrictions (that have been in place since April 2020) will be lifted, and normal pre-COVID-19 underwriting guidelines will be in effect.
- AIG will continue to require a current Statement of Health for all policy approvals.
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Effective 07/01/2021: American National discontinued most temporary COVID-19 underwriting guidelines.
Post COVID-19 updates that will remain in place
- Will still only consider ages 80+ up to Table 4 with proof of vaccination.
- Will still only consider ages 60–79 greater than Table 4 with proof of vaccination.
- Will review foreign travel on an individual consideration basis. In general travel to CDC level 3 and 4 countries will be postponed (may not be applicable in states where there are regulations on underwriting foreign travel).
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Assurity no longer has any underwriting restrictions for COVID-19. There is a COVID Questionnaire as part of the application. |

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Effective 07/20/2021:
- Full consideration based on pre-COVID underwriting guidelines for all ages
- Banner will continue to postpone for new COVID diagnosis based on exposure and clinical severity.
- Click here fhasor full details
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Updated 4/5/2023:
Cincinnati Life is pleased to announce the removal of COVID-19 underwriting restrictions, with one modification: Proposed insureds ages 80 and over can now be considered; however, no table ratings or flat extras are permitted.
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Updated 7/26/2021:
Equitable will discontinue all temporary COVID-19 guidelines for domestic business and reintroduce options for international clients.
The following changes will go into effect at that time:
- International Underwriting Program (IUP) and Americans Living Abroad (Equitable Advisors and eligible third-party customers)
- Return to traditional guidelines for acceptable countries who are U.S. State Departments level 3 or better
- Applicants who reside in acceptable U.S. State Department level 4 countries may be considered if the following criteria are met:
- Country is Level 4 due to COVID-19 only
- Max age 65
- Medically Standard or better
- APS records available and reflect routine medical care
- The COVID-19 amendment will continue to be added to applicable policies.
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Up to age 65: normal underwriting guidelines
Ages 66-75: Table 6 or better
Ages 76-79: Table 4 or better
Ages 80+ Postpone
Global Atlantic will continue to employ a prudent underwriting approach for cases at higher risk to Covid19 based on age and medical condition
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Human API for APS!
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John Hancock has resumed accepting and processing applications on individuals up to and including age 90
John Hancock will routinely consider recent medical records as an alternative to a current paramed or exam:
i. Face amounts up to $5 million for ages 18-65
II. Face amounts up to $3 million for ages 66-70
For these cases, medical records should include a comprehensive visit with a physical and labs within the last 12 months, accompanied by a completed Part II medical supplement form.
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Effective February 13, 2023:
- Now eligible for consideration:
- All cases up to Table 6 for age 71-80
- All cases up to Table 8 for age 70 and under
- All cases meeting the following criteria will be postponed:
- Ages 81 – 85, all rate classes
- “Good Health Statement and Insurability Supplement” – Form LFF12222, will only be required for placement in the following scenarios:
- All cases for ages 70 and up
- All cases when the Part II (exam and/or nonmedical form) is over 60 days old
- All cases rated greater than standard, including flat extras and table reduction program
- All cases with a face amount of $10,000,000 and above
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Nationwide will consider alternative sources of medical information, through issue age 60, when an exam is necessary for both traditional business and for their Intelligent Underwriting process.
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- Ages 0 - 60: Maximum rating of Table 6
- Maximum Flat extra = $9.00 per thousand
- Ages 61 - 70: Maximum rating of Table 4
- Maximum flat extra = $6.00 per thousand
- Ages 71 - 75: Maximum rating of Table 2
- Maximum flat extra = $3.00 per thousand
- Ages 76 - 79: Standard. Case cannot be rated or have a flat extra.
- Ages 80 and up: No offer - Postpone
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Due to the overall improvement in the Coronavirus impact, Pacific Life’s temporary COVID-19 underwriting guidelines have been lifted, effective 6/30/21.
- Ages 70 and below returning to pre-pandemic underwriting guidelines
- Allowance up to and including Table 6 for ages 71-80
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Human API for APS!
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- Ages 65 and under: Maximum Table 6 rating for term products, maximum Table 10 for permanent products. Medical Flat Extras are allowed on top of table ratings
- Ages 66-80: Maximum Table 4 rating or maximum Flat Extra of $10/million. Table + Flat Extra is allowed if Flat Extra is for non-medical reason.
- Ages 80+ will not be considered at any rate class until further notice
- For survivorship cases, both lives need to meet the new guidelines.
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- Protective has reverted to pre-COVID-19 underwriting guidelines (no restrictions) for individuals who are 0-60 years of age
- Ages 61-79: Protective will postpone coverage if individuals are rated higher than Table 4. However, coverage can be considered with:
- Evidence of completed COVID-19 vaccination (copy of vaccination card with name, vaccine batch number and date(s) administered).
- At least two weeks since the final injection.
- No history of immunodeficiency, impairments requiring IVIG treatment or prednisone dependency.
- Protective will continue to postpone coverage on individuals who are age 80 and above.
- Travel: Protective has reverted to pre-COVID-19 travel guidelines based on country and case-by-case consideration.
- Statement of Health will continue to be required on delivery for all fully underwritten coverage on any applicant, regardless of age or face amount.
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Human API for APS!
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Effective May 2, 2022:
Clients between the ages of 65 and 79, individual applications will now be considered when:
- The substandard rating class is Table F or lower.
- A temporary extra premium is assessed with a total ≤ $30 per $1,000 (e.g., $10 x 3 = a total of $30) and a substandard rating of Table B or lower.
Clients between the ages of 65 and 79, survivorship applications will now be considered when:
- The highest rated life is Table F or lower.
- The highest rated life is Table G through T if the other life is Standard or better.
Applications for ages 80 and over will continue to not be considered.
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Effective April 1, 2022, Securian is happy to announce the easement of all remaining restrictions related to the COVID-19 Participation Guidelines for all life products, including the SecureCare product line.
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Effective March 9, 2023:
Effective immediately, SBLI will no longer apply the modified underwriting guidelines introduced during the COVID-19 pandemic. The following guidelines will now apply.
The acceptable risk classifications and retention rates will be reverted to pre-COVID -19 standards as follows for all term and permanent products:
- For cases up to age 60:
- Table 8 or better: Applications accepted
- For cases ages 61 to 65:
- Table 8 or better: Applications accepted
- For cases aged 66 or older:
- Table 8 (150%) or better: Applications accepted
- There are no longer any foreign travel restrictions related to COVID-19.
- A statement of health is still required upon policy delivery, except on cases with a Part 2 date within 2 weeks of issue.
SBLI's Accelerated Underwriting is an exam-free solution! Available for ages 18-60 applying for up to $750k of coverage. No exams. No fluids. No fine print!
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Effective July 6, 2021:
- For all cases up to age 79, Symetra is now applying routine underwriting assessment and criteria. Their underwriting team will continue to conduct a thorough review for all cases with co-morbidities.
- Cases for ages 80 and above will continue to be postponed.
- For all ages, Symetra will continue to require a Good Health Statement.
- Symetra will not actively ask any clients about vaccinations or past COVID-19 exposure.
- As announced last fall for the high-net-worth foreign national market program, Symetra has reverted to their pre-COVID underwriting capabilities (for A and B countries up to $20 million in capacity).
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Transamerica is offering additional options to satisfy medical requirements which includes increased non-medical guidelines through age 55.
- Ages 56-75: Rated over Table B for CAD, Cancer, Respiratory, Hypertension and diabetes, will require referral to MD for consideration
- Not accepting applicantions for clients over the age of 75 for all products except for their Final Expense Solutions Portfolio
- Effective 1/1/2021: Transamerica has resumed accepting applications with Long Term Care (LTC) and Living Benefit Riders (LBRs) for insured ages 56-75, subject to normal underwriting requirements.
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Effective June 1, 2023:
Acceptance Guidelines Based on Insured's Issue Age
- United of Omaha is now accepting applications on clients through age 79 without table rating restrictions
- Additionally, they are now able to consider clients age 80-85 for Standard risk class ONLY
Clients with a Positive COVID Test
- A Statement of Good Health continues to be required if:
- The client had a positive COVID diagnosis within the past 3 months
- The client was hospitalized with a positive COVID diagnosis within in the last 6 months
Additional COVID Related Underwriting Updates
- United of Omaha will now allow any applicable temporary flat extra
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