Effective Monday, October 15, 2018, we made some improvements to Simplified Issue Underwriting. Here’s what has changed.

1. Mandatory Phone Interviews are no longer required for Term Life Express, issue ages 61-70 and Guaranteed Universal Life Express, issue ages, 61-65.
   • In place of the mandatory phone interview, we will run an automated lab history check on these applications – there will not be extra work for you or your clients
   • The Express Life Products Reference Guide has been updated and is ready to order via your normal ordering channels
2. The maximum total combined coverage amounts for Term Life Express, Guaranteed Universal Life Express, Living Promise and Children’s Whole Life are as follows – as long as no product maximum is exceeded:

   Maximum Total Combined Coverage Amounts
   Issue Ages           Amount
   18-50                     $300,000
   51-65                     $250,000
   66-70                     $150,000

 
Simplified Issue Underwriting Updates
 

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