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…
- Complete JLTexpress App.
- Submit to J.L. Thomas & Company.
The carrier will…
- Conduct a phone interview with the client.
- Schedule an exam (if needed).
- Review all underwriting details.
- Make an offer for coverage.
- Policy will be delivered electronically or via mail depending on carrier.
- 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.
- Pacific Life
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.
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
Availability varies by carrier and product. Additional information can be found at JLThomasco.com
Contact your sales team today with any questions.