Accelerated Underwriting Life Insurance

What is accelerated underwriting in life insurance?

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 our 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
$100,000 – $1 million
$100,000 – $750,000
$100,000 – $500,000

Issue Ages

20 – 50
20 – 40
41 – 45
46 – 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

UW Requirements

Interview, MVR, MIB, RX Check, ID Check


JLTexpress App
LincXpress

Product

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

Face Amount

$100,000 – $1 million

Issue Ages

18 – 60

UW Classes

Preferred Plus NT, Preferred NT

UW Requirements

Interview, MVR, MIB, RX Check, ID Check


JLTexpress App
Speed eTicket

Product

Term Life Answers
10, 15, 20, and 30 Year Term

Face Amount

$100,000 – $1 million

Issue Ages

18 – 55

UW Classes

Standard NT
Standard Tobacco

UW Requirements

Interview, MVR, MIB, RX Check


Paper App only

Product

YourLife Level Term 10, 15, 20, and 30
YourLife UL, NLG UL, IUL, WL, Current Assumption UL
Accumulator or Protector UL and VUL

Face Amount

$100,000 – $2 million

$100,000 – $1 million

Issue Ages

18 – 50

51 – 60

UW Classes

Preferred Plus NT
Preferred NT
Standard Plus NT
Tobacco Preferred

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App

Product

Term 10, 15, 20, 30

Permanent
UL, IUL, SUL, VUL

Face Amount

$200,000 – $1,000,000

$2,000,000 (SUL)

Issue Ages

18 – 60

UW Classes

Super Preferred NT
Preferred NT
Super Standard
Standard

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App

Product

Classic Choice Term, Custom Choice UL, Advantage Choice UL, Indexed Choice, Lifetime Assurance UL

Face Amount

$100,000 – $1 million

$100,000 – $500,000

Issue Ages

18 – 45

46 – 60

UW Classes

Nonsmoker or better

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App

Product

All term products (except
PruTerm One)PruLife Custom
PremierII, VUL Protector, PruLife
Founders Plus UL, PruLife Index
Advantage UL, PruLife UL
Protector, PruLife Essential UL

Face Amount

$100,000 – $1 million

Issue Ages

18 – 60

UW Classes

Nonsmoker or better

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App
ZippApp

Product

Term
10, 15, 20, 25, 30
Whole Life

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


JLTexpress App
WriteFit Express

Product

Term Life, Whole Life and Select UL Products

Face Amount

$250,000 and under

Issue Ages

Age Varies by Product
(Refer to Process Overview)

UW Classes

Standard or better

UW Requirements

Interview, MVR, MIB, RX Check


JLTexpress App
WriteFit

Product

All Single-life Products

Face Amount

$250,000 – $2 million

$250,000 – $1 million

Issue Ages

18 – 50

51 – 60

UW Classes

Preferred Select, Preferred, Standard for ages 18-54.
Preferred Select and Preferred for ages 55-60.

UW Requirements

Interview, MVR, MIB, RX Check