Untitled Document
Accelerated Underwriting Guide
No Exam Required
Company Ages Amounts Product Rate Class Online/Paper
American General 20 – 59 $50,000 – $99,999 TERM STANDARD
THROUGH TABLE “E”
ONLINE ONLY
American General 0 – 50 $50,000 – $499,999 MAX ACCUMULATOR+IUL STANDARD
THROUGH TABLE “E”
BOTH
American National 0 – 65 MAX $249,999 ALL STANDARD &
SUBSTANDARD
BOTH
Ameritas 0 – 60 $50,000 – $300,000 TERM LIFE
IUL
PREFERRED THROUGH
TABLE 4
BOTH
Assurity 00 – 60
61 – 85
UP TO $150,000
BELOW $75,000
WHOLE LIFE STANDARD BOTH
Cincinnati Insurance Company 0 – 60 $25,000 – $99,999 TERM LIFE STANDARD BOTH
Foresters 18 – 55 
56 +
UP TO $400,000 
UP TO $150,000
ALL STANDARD BOTH
Foresters 16 – 55 
56 – 75
UP TO $400,000 
UP TO $150,000
WHOLE/UNIVERSAL LIFE STANDARD ONLY BOTH
Minnesota Life
A Securian Company
16 – 54 
(10, 15, & 20-year durations)
$50,000 – $99,999 ADVANTAGE ELITE SELECT TERM 10, 15, 20 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 54 
(10, 15, & 20-year durations)
$100,000 – $250,000 ADVANTAGE ELITE SELECT TERM 10, 15, 20 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 45  
(30-year duration)
$50,000 – $99,999 ADVANTAGE ELITE ADVANTAGE ELITE SELECT TERM 30 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 45 
(10, 15, & 20-year durations)
$100,000 – $250,000 ADVANTAGE ELITE SELECT TERM 30 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 54 $50,000 – $99,999 ORION INDEXED UNIVERSAL LIFE STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 54 $100,000 – $250,000 ORION INDEXED UNIVERSAL LIFE STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 55 $25,000 – $249,999 SECURE PROTECTOR WHOLE LIFE STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 55 $25,000 – $99,999 SECURE ACCUMULATOR WHOLE LIFE STANDARD ONLINE ONLY
Mutual of Omaha 16 – 55 $25,000 – $99,999 SECURE ACCUMULATOR WHOLE LIFE STANDARD ONLINE ONLY
Pacific Life 50 – 69* UP TO $1,000,000 TERM 
UL
ALL BOTH
Sagicor 16 – 65 $25,000 – $400,000 NLUL ALL EXCEPT RATED TOBACCO ONLINE ONLY
Sagicor 18-50 $100,000 – $1,000,000 IUL PREFERRED THROUGH TABLE 8 ONLINE ONLY
Sagicor 51-65 $100,000 – $500,000 IUL PREFERRED THROUGH TABLE 8 ONLINE ONLY
Sagicor 18-45 $50,000 – $1,000,000 TERM PREFERRED PLUS THROUGH TABLE 2 ONLINE ONLY
Sagicor 46-55 $50,000 – $750,000 TERM PREFERRED PLUS THROUGH TABLE 2 ONLINE ONLY
Sagicor 56-65 $50,000 – $500,000 TERM PREFERRED PLUS THROUGH TABLE 2 ONLINE ONLY
Sagicor 16-65 $25,000 – $250,000 WL ALL EXCEPT RATED TOBACCO ONLINE ONLY
Savings Bank Life Insurance 18 – 60 $100,000 – $750,000 ALL ALL BOTH
Transamerica 18 – 60 $25,000 – $99,999 TRENDSETTER SUPER STANDARD BOTH
Transamerica 61 – 70 $25,000 – $50,000 TRENDSETTER SUPER STANDARD BOTH
Transamerica 18 – 60 $25,000 – $249,999 TRENDSETTER LB STANDARD BOTH
*COMPREHENSIVE PHYSICAL AND BLOOD WORK AVAILABLE FROM PRIMARY PHYSICIAN WITHIN LAST 18 MONTHS Company
Exam May Be Required
Company Ages Amounts Product Rate Class Online/Paper
American National 0 – 50 $250,001 – $1,000,000 ALL ALL RATE CLASSES ONLINE ONLY
American National 51 – 60 $250,001 – $500,000 ALL ALL RATE CLASSES ONLINE ONLY
Assurity 18 – 50 UP TO $500,000 TERM STANDARD OR BETTER ONLINE ONLY
Assurity 51 – 65 UP TO $350,000 TERM STANDARD OR BETTER ONLINE ONLY
Legal & General 20 – 40 $100,000 – $1,000,000 15, 20, 25, 30 YEAR TERMS STANDARD PLUS OR BETTER ONLINE ONLY
Legal & General 41 – 45 $100,000 – $750,000 15, 20, 25, 30 YEAR TERMS STANDARD PLUS OR BETTER ONLINE ONLY
Legal & General 46 – 50 $100,000 – $500,000 15, 20, 25, 30 YEAR TERMS STANDARD PLUS OR BETTER ONLINE ONLY
Legal & General 20 – 50 $100,000 – $500,000 10 YEAR TERM STANDARD PLUS OR BETTER ONLINE ONLY
Lincoln Financial Group 18 – 60 $100,000 – $500,000 TermAccel PREFERRED PLUS ONLY ONLINE ONLY
Lincoln Financial Group 18 – 60 $100,000 – $250,000 ADVANTAGE ELITE SELECT TERM 10, 15, 20 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
18 – 50 $0 – $2,000,000
(excludes WriteFit Express products listed under no exam required)
SINGLE-LIFE PRODUCTS STANDARD OR BETTER ONLINE ONLY
Minnesota Life
A Securian Company
51 – 60 $0 – $1,000,000
(excludes WriteFit Express products listed under no exam required)
SINGLE-LIFE PRODUCTS STANDARD OR BETTER ONLINE ONLY
Mutual of Omaha 18 – 55 $100,000 – $1,000,000 TERM LIFE ANSWERS STANDARD OR BETTER ONLINE ONLY
North American 0 – 50* UP TO $1,000,000 ALL SINGLE LIFE STANDARD OR BETTER ONLINE ONLY
Principal 18 – 60 $50,000 – $1,000,000 ALL PREFERRED PLUS & PREFERRED ONLY BOTH
Protective 18 – 45 $100,000 – $1,000,000 CUSTOM CHOICE UL AND CLASSIC CHOICE TERM FITS PUBLISHED CRITERIA ONLINE ONLY
Protective 46 – 60 $100,000 – $500,000 CUSTOM CHOICE UL AND CLASSIC CHOICE TERM FITS PUBLISHED CRITERIA ONLINE ONLY
Prudential 18 – 60 $100,000 – $1,000,000 MOST TERM & ULs PREFERRED OR BETTER ONLINE or
PruXpress Quick Form
* NOT AVAILABLE IN CALIFORNIA

This information is for general comparative purposes only. If you have a specific case or question for a specific carrier, you are encouraged to contact Financial Brokerage’s Life Sales Team. The information is believed to be accurate as of the date listed. Carriers can make changes without notifying Financial Brokerage, so it is always best to confirm with us that the information contained on this guide is still accurate. No Medical Exam for Qualified Applicants. Requirements subject to change at individual Carrier’s and Underwriter’s discretion. Review of additional information and/or a medical exam may be required to determine eligibility.