Accelerated underwriting, also called “non-med underwriting” or “express underwriting,” makes it faster and more accessible for your clients with good health to obtain life insurance. With it, you can help your clients get a fully underwritten, competitively priced term life insurance policy of up to $5 million without a medical exam.
Best Accelerated Underwriting Options
Best Accelerated Underwriting Carrier
Offers up to $3,00,000 of coverage using accelerated underwriting. They have a higher AU processing rate, meaning most cases will remain in AU and not require full underwriting. They have one of the strongest conversion provisions.
Highest Death Benefit for Accelerated Underwriting
Get up to $5,000,000 of term coverage without any labs after your client completes their phone interview and background check. Contact our team to see if your client qualifies.
Most Experience with Accelerated Underwriting
One of the first carriers to introduce Accelerated Underwriting. Offers availability to convert to products through the end of level term with their Conversion Extension Rider . Higher likelihood of obtaining an accelerated underwriting process.
Best way to place Accelerated Underwriting Policies
The best way to write and place accelerated underwriting life insurance policies is by using Vive. Our Vive program makes it easier than ever to submit cases, get accelerated underwriting approval, and deliver the policy electronically right to your client.
Don’t waste your time using paper; simplify your workflow on your transactional business and place it using Vive.
All Accelerated Underwriting Options
Cincinnati Life
Rapid Review
Products:
All term & ROP products
Issue Ages and Face Amounts:
Ages 18-50: $100,000 – $1,000,000
Underwriting Classes:
Preferred Plus, Preferred, Standard Plus, and Standard Non-Smoker
How to Submit:
Vive & iGO
AIG / Corebridge
AG Quick Ticket / Agile Underwriting
Products:
All term & Secure Lifetime GUL 3
Issue Ages and Face Amounts:
Ages 18-59: $100,000 – $1,000,000
Underwriting Classes:
Standard Tobacco or Better
How to Submit:
iGO
John Hancock
Express Track
Products:
Single Life Term and Perm (including the LTC rider)
Issue Ages and Face Amounts:
Ages 18-60: Up to and including $3,000,000
Underwriting Classes:
Standard or Better
How to Submit:
Applicant Express
Legal & General America
Horizon Digital Application with Accelerated Underwriting
Products:
OPTerm 10, 15, 20, 25, 30, 35, 40
Issue Ages and Face Amounts:
Ages 20-60: Up to and including $2,000,000
Underwriting Classes:
Standard Plus or Better
How to Submit:
Vive & iGO
Lincoln Financial
LincXpress
Products:
All products EXCEPT MoneyGuardor Lincoln LifeElements One-Year Term
Issue Ages and Face Amounts:
Ages 18-60: $100,000 – $2,500,000
Underwriting Classes:
Standard Tobacco or Better
How to Submit:
Vive & iGO
Mass Mutual
Fluidless Underwriting
Products:
Whole Life & Term Products
Issue Ages and Face Amounts:
Ages 17-50: $25,000 – $1,000,000
Underwriting Classes:
$25,000-$49,999 – Non-Tobacco and Tobacco
$50,000-$1,000,000 – Ultra Preferred Non-Tobacco, Select Preferred Non-Tobacco, No Tobacco, Select Preferred Tobacco, and Tobacco
How to Submit:
EZ APP
Mutual of Omaha
Accelerated Underwriting
Products:
Term Life Answers 10,15, 20, and 30 year
Income Advantage IUL and Life Protection Advantage IUL
Issue Ages and Face Amounts:
Ages 18-50: $100,000 – $2,000,000
Underwriting Classes:
Rate classes to Standard
How to Submit:
iGO
Nationwide
Intelligent Underwriting
Products:
YourLife Guaranteed Level Term (10, 15, 20, 30)
Nationwide Indexed UL Accumulator II 2020 or Protector II 2020
Nationwide No-Lapse Guarantee UL II
New Heights Indexed UL Accumulator 2020
Nationwide WL 100
Nationwide 20-Pay WL
Issue Ages and Face Amounts:
Ages 18-50: $100,000 – $5,000,000
Ages 51-50: $100,000 – $1,000,000
Underwriting Classes:
Nontobacco Preferred Plus, Nontobacco Preferred, Nontobacco Standard Plus and Tobacco Preferred
How to Submit:
iGO
Pacific Life
Accelerated Life +
Products:
Promise Term
Issue Ages and Face Amounts:
Ages 18-60: up to $3,000,000
Underwriting Classes:
Standard Risk or Better
How to Submit:
iGO
Principal Financial
Accelerated Underwriting
Products:
Term, UL (Provider Edge II and Flex III), IUL (Flex II and Accumulation II), VUL-Income IV, SUL Provider
Issue Ages and Face Amounts:
Ages 18-40: Up to and Including $3,000,000
Ages 41-50: Up to and Including $2,500,000
Underwriting Classes:
Standard or Better
How to Submit:
iGO
Protective Life
PLUS
Products:
Classic Choice Term, Custom Choice UL, Advantage Choice UL, Indexed Choice UL, LifeTime Assurance UL, ProClassic II UL, Strategic Objectives II VUL
Issue Ages and Face Amounts:
Ages 18-45 $100,000 – $1,000,000
Ages 46-60 $100,000 – $500,000
Underwriting Classes:
Ages 18-45 Sel Pref, Preferred, Standard
Ages 46-60 Sel Pref, Preferred
How to Submit:
Vive & iGO
Prudential Financial
PruFast Track
Products:
All term products (except PruTerm One) PruLife Custom Premier II, VUL Protector, PruLife Founders Plus UL, PruLife Index Advantage UL, PruLife Essential UL
Issue Ages and Face Amounts:
Ages 18-60 $100,000 – $3,000,000
Underwriting Classes:
Non-Smoker or Better
How to Submit:
Vive & iGO
SBLI
ZipApp
Products:
Guaranteed Level Premium Term 10, 15, 20, 25, and 30 years, Whole Life
Issue Ages and Face Amounts:
Ages 18-60 $100,000 – $750,000
Underwriting Classes:
All Risk Classes and Table Ratings
How to Submit:
iGO
Securian Financial
WriteFit
Products:
All single-life products. We recommend adding the Extended Conversion Agreement Rider.
WriteFit Issue Ages and Face Amounts & Underwriting Classes
Ages 18-50 Up to $3,000,000 Standard or Better
Ages 51-60 Up to $1,000,000 Standard or Better
Underwriting Classes:
Non-Smoker or Better
How to Submit:
iGO
Symetra
Accelerated UW Program / SwiftTerm
Products:
Term Products, Accumulator IUL, Protector, IUL
WriteFit Issue Ages and Face Amounts & Underwriting Classes
Ages 18-50 Up to $3,000,000 Standard or Better
Ages 51-60 Up to $2,000,000 Standard or Better
Underwriting Classes:
Non-Smoker or Better
How to Submit:
iGO