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Reply to Non-med Exam Life Insurance     
Old 08-26-2017, 08:58 AM   #1
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Non-med Exam Life Insurance Non-med Exam Life Insurance
So a few questions for you guys who do alot of this, especially term.


What A carriers tend to be best in this space these days?

Who will go over $250k? What is the most a carrier will do non-med?

Who will issue pref rates on non-med?

Who actually has pricing that is reasonably competitive with fully uw?

Any besides Anico and LSW that will issue term with living benefits, non-med?

Anyone to particularly avoid?


I have a few folks I will be working with... based on discussions they sound like they should qualify preferred NT. Figured I'd look into who can do it without the med exam.


Thanks folks!!!
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Old 08-26-2017, 03:15 PM   #2
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TwiLight on Non-med Exam Life Insurance
 
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Both LSW and ANICO have recently introduced ACCELERATED underwriting.

Basically, it is for risks above the Non-med Limits ex: $250,001 to $1m. You are basically skipping the invasive procedures of Exam/Blood/HOS if the risk is under age 60 and would be a preferred risk on paper... (App/MIB/RX/MVR & Consumer Database).

Accelerated underwriting will issue all classes if the risk falls in that area.

Pure Non-Med is available for SBLI to $500k and some SI Term Carriers like Foresters & American Amicable will go to $400k Non-Med.

Skipper

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Old 08-26-2017, 04:11 PM   #3
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance pfg1 is the thread starter for: Non-med Exam Life Insurance

Originally Posted by TwiLight View Post
Both LSW and ANICO have recently introduced ACCELERATED underwriting.

Basically, it is for risks above the Non-med Limits ex: $250,001 to $1m. You are basically skipping the invasive procedures of Exam/Blood/HOS if the risk is under age 60 and would be a preferred risk on paper... (App/MIB/RX/MVR & Consumer Database).

Accelerated underwriting will issue all classes if the risk falls in that area.

Pure Non-Med is available for SBLI to $500k and some SI Term Carriers like Foresters & American Amicable will go to $400k Non-Med.

Skipper
Thanks.

So will ANICO and LSW go to those higher amounts on Term polices also, or just Perm? I knew they had under $250k non-med, although LSW term has not priced very good last I looked.


I thought I heard at some point PRU would go up to higher amounts on non-med (accelerated uw) for term? I've also heard Lincoln, but again don't know specifics.
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Old 08-26-2017, 04:19 PM   #4
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TwiLight on Non-med Exam Life Insurance
 
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Yes on term with ANICO.

I don't use LSW for term. Too pricy. I'd have to check if term is also covered
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Last edited by TwiLight; 08-27-2017 at 06:44 AM.
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Old 08-27-2017, 12:34 AM   #5
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Ameritus has a new LB term up to $300K without exam.
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Old 08-27-2017, 03:06 PM   #6
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
For which state?
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Old 08-28-2017, 06:08 AM   #7
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance pfg1 is the thread starter for: Non-med Exam Life Insurance

Originally Posted by producer1 View Post
For which state?
Not sure if you're asking me or not. I am in VA, I do VA & WV mostly, also several other states around the mid-atlantic.
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Old 08-28-2017, 10:27 AM   #8
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
I'm also in VA.. what number can I call you at?
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Old 08-29-2017, 10:50 AM   #9
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Lewis_FL on Non-med Exam Life Insurance
 
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Originally Posted by pfg1 View Post
So a few questions for you guys who do alot of this, especially term.


What A carriers tend to be best in this space these days?

Who will go over $250k? What is the most a carrier will do non-med?

Who will issue pref rates on non-med?

Who actually has pricing that is reasonably competitive with fully uw?

Any besides Anico and LSW that will issue term with living benefits, non-med?

Anyone to particularly avoid?


I have a few folks I will be working with... based on discussions they sound like they should qualify preferred NT. Figured I'd look into who can do it without the med exam.


Thanks folks!!!
besides true non-med products a lot of carriers are offering "express" underwriting. no exam on clean cases up to $1,000,000 depending on age. Banner, Lincoln, Hancock, etc.
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Old 08-29-2017, 07:17 PM   #10
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Non-med Exam Life Insurance
Any of these available for 64 female besides sagicor?
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