Accelerated Underwriting Life Insurance

What is accelerated underwriting?

Underwriting that does not require an exam (Blood or Urine analysis) to qualify for life insurance. 

Not all accelerated underwriting programs are created equal.  Below are carriers who have an Accelerated Underwriting process along with an outline of carrier products available, issue ages, face amount ranges, and underwriting classes available.  Included is an overview of each carriers process, underwriting parameters, and consumer approved PDF.  Some carriers will even offer the best rates without an exam!

If you have any questions on how to process please contact one of the marketing representatives to review.



JLTexpress App

Some carriers with accelerated underwriting are also available using the JLTexpress App.  Under the logo the JLTexpress App will appear if available.  For more information contact one of our marketing representatives to review.



Accelerated Underwriting Overview

JLTexpress App
APPAssist

Product

OPTerm 10, 15, 20, 25, 30 Year Term

Face Amount

$100,000 – $500,000

Issue Ages

20 – 50

UW Classes

Preferred Plus NT, Preferred NT, Standard Plus NT

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App
TermAccel

Product

TermAccel
15, 20, 30 Year Term

Face Amount

$100,000 – $500,000

Issue Ages

18 – 50

UW Classes

Preferred Plus NT, Preferred NT, Standard NT, Preferred Tobacco, Standard Tobacco
Table A – D

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App
LincXpress

Product

Life Elements Term 10, 15, 20, 30 Year Term,
All Permanent Products

Face Amount

$100,000 – $1,000,000

Issue Ages

18 – 60

UW Classes

Preferred Plus NT, Preferred NT

UW Requirements

Interview, MVR, MIB, RX Check


Term Life Express
Paper App only

Product

Term Life
10, 15, 20, 30

Face Amount

A) $25,000 – $300,000

B) $25,000 – $250,000

Issue Ages

A) 18 – 50

B) 51 – 65

UW Classes

Standard NT
Standard Tobacco
Table 1 – 4

UW Requirements

Interview, MVR, MIB, RX Check


GULExpress
Paper App only

Product

GULexpress

Face Amount

A) $25,000 – $99,000

B) $100,000 – $300,000

C) $100,000 – $250,000

Issue Ages

A) 18 – 65

B) 18 – 50

C) 51 – 65

UW Classes

Standard NT
Standard Tobacco
Table 1 – 4

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App

Product

Term 10, 15, 20, 30

Permanent
UL, IUL, SUL, VUL

Face Amount

$50,000 – $1,000,000

$2,000,000 (SUL)

Issue Ages

18 – 60

UW Classes

Super Preferred NT
Preferred NT

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App
ZippApp

Product

Term
10, 15, 20, 25, 30

Face Amount

$100,000 – $500,000

Issue Ages

18 – 60

UW Classes

Preferred Plus NT
Preferred NT
Select NT
Standard NT
Preferred Nicotine
Standard Nicotine
Table A – H

UW Requirements

Interview, MVR, MIB, RX Check