Carrier Underwriting Guidelines
To help you determine if a client qualifies for a preferred rating, we have solicited
and posted the published underwriting guidelines for many of our life carriers.
AIG Foresters Lincoln Financial Pacific Life - Affluent Sagicor
Allianz Life Insurance Company
of North America		 Gerber Mass Mutual Pacific Life - Broad Market SBLI
American National Global Atlantic Life Mutual of Omaha
(United of Omaha and
Companion Life) 		Penn Mutual Securian
Ameritas Life Insurance Corp. Guardian Nationwide Principal Security Mutual
Assurity Life
Insurance Company		 John Hancock New York Life Protective Symetra
Cincinnati Life Legal & General
(Banner/William Penn)		 North American Prudential Transamerica
Equitable Life Insurance Company of the Southwest/National Life Insurance Company    
AIG
Preferred/Standard Guidelines Lab Scoring Foreign Resident and Travel
Age/Amount Requirements Guide for Permanent Underwriting Lab Score FAQs Foreign National Checklist
Age/Amount Requirements Guide for Term Flex Points Program Foreign Travel Guidelines
  Financial Underwriting Guidelines Retention Limits and Smoking Guidelines Non-Resident Foreign National Qualification Quick Guide
  APS Ordering Guidelines Non-Medical Guidelines Underwriting Guidelines
  BMI Underwriting Calculator Prescreen Checklist  
       
Allianz Life Insurance Company of North America  
Preferred/Standard Guidelines Build Chart Underwriting Guidelines
Age/Amount Requirements Guide Rated Build Chart  
Retention Guidelines Financial Underwriting Guidelines  
 
American National    
Preferred/Standard Guidelines Build Chart Civilian Aviation Underwriting Guide
Financial Underwriting Guidelines Accelerated Underwriting Guidelines Underwriting Guidelines
  Age/Amount Requirements Guide Medical Impairment Guide Underwriting Guidelines (New York version)
       
Ameritas Life Insurance Corp.  
Preferred/Standard Guidelines Build Chart Accelerated Underwriting Guidelines
Age/Amount Guidelines Financial Underwriting Guidelines Foreign Travel/Residence Guidelines
Retention Guidelines Wellness Program Underwriting Guidelines
  Impairment Guide    
       
Assurity Life Insurance Company  
Universal Life Underwriting Guidelines Impairments Guide Build Chart – Term
Whole Life Underwriting Guidelines Financial Underwriting Guidelines Build Chart – Whole Life
  Term Life Underwriting Guidelines Build Chart – Universal Life  
       
Cincinnati Life    
Preferred/Standard Guidelines Build Chart Underwriting Guidelines
Age/Amount Requirements Financial Guidelines  
       
Equitable    
Preferred/Standard Guidelines Financial Underwriting Guidelines Foreign Travel/National Guidelines
Age/Amount Requirements Guide Build Chart Underwriting Guidelines
  Field Underwriting Guide/Impairment List    
       
Foresters
Preferred Guidelines - Term Products Build Chart - Juveniles Diabetes Ratings for Non-Med Business
Preferred Guidelines - Advantage Plus II and Smart UL Financial Guidelines Product Guide
Build Chart - Adults (16+, Non-Med) Age/Amount Requirements Guide Accelerated Underwriting Guide
Build Chart - Adults (16+, Fully Underwritten) Impairment Guide Underwriting Guidelines
     
Gerber    
Juvenile Underwriting Guidelines Simplified Senior Life and Whole Life Insurance Field Guide to Medical Risks
     
Global Atlantic Life    
Preferred Guidelines Foreign Nationals Fast Lane Underwriting
Financial Underwriting Guidelines Foreign National Program Enhancements Non-Medical Underwriting
Build Chart Foreign National Producer Checklist Tobacco Use Guidelines
  Age/Amount Requirements Guide Foreign National Cover Letter Guide Underwriting Guidelines
  Automatic Declines    
       
Guardian    
Preferred/Standard Guidelines Age/Amount Requirements Guide Foreign National Guidelines
Build Chart Field Impairment Guide Underwriting Guidelines
Retention Guidelines  
       
John Hancock  
Preferred Guidelines Smoking and Marijuana Use Guidelines Global High-Net-Worth Market Selling Guide
Build Chart Quit Smoking Incentive Foreign Travel Guidelines
Age/Amount Requirements Guide Medical Impairments Guide Non-US Resident Guidelines
Financial Underwriting Guidelines Non-Medical Impairments Guide Underwriting Guidelines
LTC Rider Underwriting Guidelines UCheck  
 
Legal & General (Banner/William Penn)  
Preferred/Standard Guidelines Build Chart Retention Guidelines
Age/Amount Requirements Guide Substandard Build Chart Preferred Crediting Guide
Financial Underwriting Guidelines APEX/AppAssist Guidelines Underwriting Guidelines
       
Life Insurance Company of the Southwest/National Life Insurance Company
Preferred/Standard Guidelines Financial Underwriting Guidelines Uninsurable Conditions
Build Chart APS Ordering Guide Foreign National Guidelines
Age/Amount Requirements Guide Impairment Guide Underwriting Guidelines
       
Lincoln Financial    
Preferred Guidelines Foreign National Guidelines Rated Build Chart
Financial Underwriting Guidelines Foreign National Checklist Rated Blood Pressure and Cholesterol Guidelines
Age/Amount Requirements Guide Foreign Travel Guidelines LincXpress Guidelines
  APS Guide Build Chart Professional Advantage Program
  TermAccel Guidelines Premium Finance Underwriting Guidelines Underwriting Guidelines
       
Mass Mutual    
Preferred Guidelines APS Guidelines Financial and Foreign National Underwriting Guidelines
Build Chart Retention Limits Foreign Nationals Living Abroad Guidelines
  Financial Underwriting Guidelines Foreign Travel Guidelines Underwriting Guidelines
  Age/Amount Requirements Guide Foreign National Guidelines  
       
Mutual of Omaha (United of Omaha and Companion Life)
Preferred/Standard Guidelines Occupations/Avocations LTC Rider Information and Guide
Age/Amount Requirements Guide Impairment Ratings Express Build Chart
Financial Underwriting Guidelines Foreign National and Immigrant Residency Express Underwriting Guide
Build Chart Accelerated Underwriting Program Guidelines Express Impairments
APS Guidelines Accelerated Underwriting Build Chart Underwriting Guidelines
  Fit Guidelines    
       
Nationwide    
Preferred Plus/Preferred Guidelines Financial Underwriting Guidelines Competitor Match Program
Age/Amount Requirements Guide Foreign Travel/Residence Guidelines Underwriting Insights
Build Chart for Adults Except Term and Whole Life Medical Conditions/Impairments LTC Rider Underwriting Guidelines
Build Chart for Adults—Term and Whole Life Guidelines For Farm and Ranch Clients Underwriting Guidelines
Build Chart for Juveniles Intelligent Underwriting  
       
New York Life    
Preferred Underwriting Guidelines Foreign National/Travel Country Codes Age/Amount Requirements Guide
Income Replacement Guidelines Foreign National Guidelines Underwriting Guidelines
  APS Requirements Foreign National Agent Guide  
       
North American    
Preferred Underwriting Guidelines Ages 70 and Under Age/Amount Underwriting Guidelines Financial Underwriting Guidelines
Preferred Underwriting Guidelines Ages 71+ Foreign Residence and Travel WriteAway Field Guide (Accelerated UW)
Build Chart Ages 70 and Under Foreign National Guidelines Underwriting Guidelines
  Build Chart Ages 71+    
       
Pacific Life - Affluent    
Preferred Underwriting Guidelines: Ages 0-64 Build Chart: Ages 0-64 Financial Underwriting Guidelines
Preferred Underwriting Guidelines: Ages 65 Plus Build Chart: Ages 65 Plus Underwriting Guidelines
  Age/Amount Underwriting Guidelines Impairments  
       
Pacific Life - Broad Market    
Preferred Underwriting Guidelines: Ages 0-64 Build Chart: Ages 0-64 Financial Underwriting Guidelines
Preferred Underwriting Guidelines: Ages 65 Plus Build Chart: Ages 65 Plus Underwriting Guidelines
  Age/Amount Underwriting Guidelines Impairments  
       
Penn Mutual    
Preferred Underwriting Guidelines Impairments - Medical Foreign National Program
Age/Amount Underwriting Guidelines Impairments - Non-Medical Foreign National Checklist
  Build Chart Financial Underwriting Guidelines Underwriting Guidelines
       
Principal    
Super Preferred/Standard Guidelines ASAP/Healthy Lifestyle Credit Program Financial Underwriting Guidelines
Build Chart Impairments Guidelines Foreign National Guidelines
Age/Amount Guidelines Accelerated Underwriting Guidelines Underwriting Guidelines
       
Protective    
Preferred Guidelines Over Age 70 Age/Amount Underwriting Guidelines Additional Information
Preferred Guidelines Through Age 70 Financial Underwriting Guidelines Reinsurance Limits
Rated Build Chart Foreign Travel & Foreign National Guidelines ExtendCare
Chronic Illness Accelerated Death Benefit (CIADB) &
ExtendCare Rider Medical Disqualifiers		 Approved Countries Underwriting Guidelines
     
Prudential    
Preferred/Standard Guidelines Build Chart Non-US Foreign Resident Guidelines
Financial Underwriting Guidelines Preferred and Impaired Risks Non-US Foreign Resident Checklist
Age/Amount Underwriting Guidelines BenefitAccess Rider Comparison Chart Non-US Resident Highlighter
Rate Reduction Program Foreign Travel Guidelines Underwriting Guidelines
  Preferred Underwriting Estimator Foreign Travel Highlighter  
  Underwriting Credit Opportunities Immigrants to the U.S.  
       
Sagicor    
Preferred Guidelines Age/Amount Guidelines Non-Medical Risks
Financial Guidelines Build Chart  
       
SBLI    
Age/Amount Guidelines Financial Underwriting Guidelines Other Guidelines
APS Ordering Guidelines Healthy Credits Program Underwriting Guidelines
Build Chart Preferred Classifications  
       
Securian    
Preferred Guidelines Build Chart Ages 16-64 WriteFit Guidelines
Age/Amount Requirements Guide Under Age 70 Build Chart Ages 65-74 WriteFit Age/Amount Requirements Guide Under Age 70
Age/Amount Requirements Guide Age 70+ Build Chart Ages 75 and Over Financial Underwriting Guidelines
Mortality Credits Guidelines Financial Underwriting Guidelines Underwriting Guidelines
       
Security Mutual    
Preferred/Standard Plus Guidelines and Build Chart Juvenile Guidelines Age/Amount Underwriting Guidelines
Financial Underwriting 10 Underwriting Advantages Substandard Table Rating Rules
       
Symetra    
Preferred/Standard Plus Underwriting Guidelines Field Underwriting Guidelines Good Life Rewards Program
Age/Amount Underwriting Guidelines Non-Medical Impairments Financial Underwriting Guidelines
  Build Chart Impairment Ratings Foreign National Guidelines
       
Transamerica    
Preferred/Standard Guidelines U.S. Retention & Reinsurance Limits Age/Amount Underwriting Guidelines
Medical Impairments Foreign Travel/Residence Guidelines Age/Amount Underwriting Guidelines - Trendsetter
Financial Underwriting Guidelines Foreign National Underwriting Risk Classes by Country Age/Amount Underwriting Guidelines - Trendsetter LB
Build Chart for Males Employment Authorization Card Age/Amount Underwriting Guidelines - Financial Foundation IUL
Build Chart for Females Foreign National Field Guide TransMatch Program
Build Chart - Trendsetter LB and Trendsetter Express Foreign National Checklist Underwriting Guidelines
       
       
For Financial Professional Use Only. This information reflects the most current data furnished to Crump by our carriers. Information is subject to change without notice. Any updates received by Crump will be posted on a timely basis. Crump does not warrant or represent the validity/completeness of this information at all times. This is intended to be a broad view of news within the industry - please note that all carriers and products shown may not be available through your organization's Crump relationship. Always check your approved product and carrier listing or contact your Sales Manager before proceeding with any new sale.
 

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 Updated: September 18, 2023