Term
Guaranteed UL
Indexed UL
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Eligible clients can get an immediate medical decision and offer.
If approved, proceed straight to issue— the fastest path to coverage.
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Clients that don’t get an instant decision may still be able to get a decision in days.
Weeks faster than traditional underwriting!
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Some applications need more thorough review.
In such cases, a dedicated team of underwriters will conduct the review— no need to re-apply.
Accidental Only
Whole Life
Final Expense
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Eligible clients can get an immediate medical decision and offer. If approved, proceed straight to issue— the fastest path to coverage.
Who may be eligible:
- Age 18-60
- $2 million or less
- No major impairments
- US residents
- Individually owned policies
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Clients that don’t get an instant decision may still be able to get a decision in days— weeks faster than traditional underwriting.
Who may be eligible:
Age 18-60
$2 to $3 milion
Some medical impairments
Foreign nationals
Business or trust-owned policies
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Some applications need more thorough review. In such cases, a dedicated team of underwriters will conduct the review— no need to re-apply.
Who may be eligible:
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Age 60+
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$3 to $20 million
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Significant medical impairments
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