eApp and eDelivery

Stephanie Paoletta Advanced Planning, Easy Term Insurance, Financial Planning, Insurance Company, JLTexpress App, Life Insurance, Lincoln Financial, Policy Review, Principal Financial, Term Life Insurance, Uncategorized Leave a Comment

Submitting Term Insurance with the JLTexpress App

The JLTexpress App is the easiest way to write term life insurance. This process is meant to help speed up processing so you can spend time doing what you do best, selling. 

What you need to do…

  1. Complete JLTexpress App.
  2. Submit to J.L. Thomas & Company.

The carrier will…

  1. Conduct a phone interview with the client.
  2. Schedule an exam (if needed).
  3. Review all underwriting details.
  4. Make an offer for coverage.
  5. Policy will be delivered electronically or via mail depending on carrier.

Please note…

  • Insured must have email address
  • Owner of the policy and insured must be the same person
  • Must be between the ages of 18 – 75 (this may vary by carrier) 
  • Do not submit JLTexpress App if case was quick quoted for impaired risk.

Available Carriers…

  • AIG
  • Banner
  • Cincinnati
  • Lincoln
  • Omaha
  • Pacific Life
  • Principal
  • Protective 
  • Prudential
  • SBLI
  • Securian

Accelerated Underwriting 

Is a great option for healthy clients. Most cases will qualify for an abbreviated application and lab free underwriting. More detailed information can be found here

Accelerated Underwriting with Principal & Lincoln

Principal’s Accelerated UW 

Ages: 18 – 60

Face amount: $50k – $1M 

Products Available: Term, UL, IUL, VUL, SUL 

There are no exam requirements and no lab testing for qualified Standard, Super Standard, Preferred and Super Preferred clients.

Process Overview

Underwriting Overview

What to expect during phone interview

Lincoln’s Accelerated UW 

Ages: 18 – 60 (age 50 max for TermAccel) 

Face Amount: $100k – $1M 

Products Available: Term and all permanent products except for MoneyGuard. 

Opportunity to waive lab work for qualifying clients – consideration for all preferred plus, all preferred and most standard rate classes

Process Overview

Underwriting Overview

What to expect during phone interview

Availability varies by carrier and product. Additional information can be found at JLThomasco.com

Contact your sales team today with any questions. 

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