Life Insurance +
Accelerated Underwriting Guide

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The carriers bellow offer an accelerated underwriting program.

Based on your age, health, and coverage amount you may be able to qualify for the best life insurance rates without the need for a physical exam. I

f you need help navigating these carriers or reviewing your options contact our team!

Accelerated Underwriting Comparison Guide

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Allianz
Accelerated
Underwriting

Policy Type

Permanent Life Insurance

Death Benefit

Up to $1,500,000

Issue Ages

Age 25 -Age 60

Rate Class

Preferred Plus NT
Preferred NT

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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American National
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $1,000,000
Up to $500,000

Issue Ages

Up to Age 50
Up to Age 60

Rate Class

Preferred Plus
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Banner Life
Legal & General
Accelerated
Underwriting

Policy Type

Term Life Insurance

Death Benefit

Up to $1,000,000
Up to $750,000
Up to $500,000

Issue Ages

Up to Age 40
Up to age 45
Up to Age 50

Rate Class

Preferred Plus
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Global Atlantic
Accelerated
Underwriting

Policy Type

Permanent Life Insurance

Death Benefit

Up to $1,000,000
Up to $500,000
Up to $250,000

Issue Ages

Up to Age 50
Up to Age 55
Up to Age 60

Rate Class

Preferred Plus
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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John Hancock
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $3,000,000

Issue Ages

Up to Age 60

Rate Class

Super Preferred
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Lincoln Financial
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $1,000,000

Issue Ages

Up to Age 60

Rate Class

Preferred Plus
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Mutual of Omaha
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $2,000,000

Issue Ages

Up to Age 55

Rate Class

Preferred Plus
Preferred
Standard Plus
Standard
Preferred Tobacco
Standard Tobacco

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Run your own term life insurance quote, then review with a CERTIFIED FINANCIAL PLANNERTM

Button that links to term life insurance quoting application
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Nationwide
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $2,000,000
Up to $1,000,000

Issue Ages

Up to Age 50
Up to Age 60

Rate Class

Preferred Plus NT
Preferred NT

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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North American
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $1,000,000

Issue Ages

Up to Age 50

Rate Class

Preferred Plus
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Pacific Life
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $1,000,000

Issue Ages

Up to Age 69

Rate Class

Preferred Plus
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Principal Financial
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $2,000,000

Issue Ages

Up to Age 60

Rate Class

Super Preferred
Preferred
Super Standard
Standard NT

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Protective Life
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $1,000,000
Up to $500,000

Issue Ages

Up to Age 45
Up to Age 60

Rate Class

Preferred Plus
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Prudential
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $3,000,000

Issue Ages

Up to Age 60

Rate Class

Preferred Best
Preferred
Standard Plus
Standard

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Securian Financial
Accelerated
Underwriting

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $2,000,000
Up to $1,000,000

Issue Ages

Up to Age 50
Up to Age 60

Rate Class

Preferred Select
Preferred
Standard Plus
Standard
Standard Tobacco

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History

What you need to know about Accelerated Underwriting:

1. Accelerated Underwriting means you can still get the lowest rates available without having to complete a physical exam.

2. To qualify, you must meet certain requirements and it is based on your phone interview, background check, age, death benefit amount, and MIB history.

3. Not everyone will be able to bypass the exam. It is at the discretion of the carrier to determine if an exam is needed. If the carrier requests an exam, it does not limit you from obtaining the best rate.

Exam-Free Life Insurance Comparison Guide

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Assurity
Exam-Free
Life Insurance

Policy Type

Term Life Insurance

Death Benefit

Up to $500,000
Up to $350,000

Issue Ages

Up to Age 50
Up to Age 65

Rate Class

Preferred Plus
Preferred NT
Standard NT
Preferred Tobacco
Standard Tobacco

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Sagicor
Exam-Free
Life Insurance

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $500,000

Issue Ages

Up to Age 65

Rate Class

Preferred
Standard NT
Preferred Tobacco
Standard Tobacco

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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SBLI
Exam-Free
Life Insurance

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $500,000

Issue Ages

Up to Age 60

Rate Class

Preferred NT
Standard Non-Tobacco
Preferred Tobacco
Standard Tobacco

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History

Simplified Issue Life Insurance Comparison Guide

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Mutual of Omaha
Simplified Issue
Life Insurance

Policy Type

Term Life Insurance
Permanent Life Insurance

Death Benefit

Up to $300,000
Up to $250,000
Up to $150,000

Issue Ages

Up to Age 50
Up to Age 60
Up to Age 70

Rate Class

Standard NT
Standard Tobacco

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History
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Transamerica
Simplified Issue
Life Insurance

Policy Type

Term Life Insurance

Death Benefit

Up to $250,000

Issue Ages

Up to Age 60

Rate Class

Standard NT
Standard Tobacco

Underwriting

Phone Interview
Motor Vehicle Record
Prescription History
MIB History

What you need to know about Simplified Issue Life Insurance:

1. Simplified Issue means the carrier offers a policy without the need for an exam. These rates are equivalent to obtaining a Standard Rate on a fully underwritten product.

2. To qualify, you must complete a phone interview and the carrier will conduct a background check and review MIB history.

3. This is generally used to issue policies quickly or for insureds who would otherwise not meet the health requirements of Accelerated UW and do not want to complete an exam.