Underwriting Guides
Before submitting an application for a client with known health concerns check the UW Guide and Prescription guide for the carrier you are considering for your client.
Use this quick guide below to check which carriers would be suitable for your client based on their health issues.
Quick UW Reference Guide for Health Issues
Click on the carrier name to expand and view the Underwriting Guides.
AIG
If your client has health issues and cannot be written with the other carriers then offer the AIG GIWL product: See details below.
AIG – GIWL Product Guide
Hassle-Free Whole life Insurance Coverage
- Guaranteed Acceptance
- No Medical Exam
- Up to $25,000* in Coverage
- Living Benefits are Included – at NO EXTRA COST (Subject to state approval)
- Chronic Illness
- Terminal Illness
- Guaranteed Level Premiums
- Developed for Ages 50-85
Athene - Annuities
Sales Support: 888-266-8439
Contracting: 888‑266‑8489
Submitting New Business FAX: 800-531-0038
Website: https://www.atheneannuity.com
Quoting: Visit website
Americo
CFG - Columbian Financial Group
Foresters
Gerber
Sales Support: 800-428-4947
Contracting:
Submitting new business FAX 877-608-4634
Website: https://www.gerberlife.com then go to agent to log in
Quoting: To Quote use app from the app store
Global Atlantic - Accordia
Mutual of Omaha - MOO
Phoenix
Sales Support: 888-794-4447
Contracting:
Submitting new business FAX 816-221-9674
Website: https://phoenixsalesnet.nsre.com
Quoting: Visit website
Royal Neighbors of America
Sagicor
Sales Support:(888) 724-4267 ext. 4680
Contracting: (888) 724-4267 ext. 4660
Submitting New Business fax: 800-324-8943
Website: https://sagicorlifeusa.com
Agent portal: https://agent.sagicorlifeusa.com/wps/portal
Quoting: Visit website
TransAmerica Premier
Gerber