Accelerated Underwriting Guide

Company	Ages	Amounts	Product	Rate Class	Online/Paper
No Exam Required
American General	20 – 59	$50,000 – $99,999	TERM	STANDARD OR BETTER	ONLINE ONLY
American General**	0 – 50	$50,000 – $1,000,000	MAX ACCUMULATOR & VALUE+ PROTECTOR IUL	STANDARD OR BETTER	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
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 – 45	$100,000 – $2,000,000	TRENDSETTER SUPER AND FF IUL	ALL	BOTH
Transamerica	46 – 55	$1,000,,000 – $1,000,000	TRENDSETTER SUPER	ALL	BOTH
Transamerica	18 – 55	$250,000 – $2,000,000	TRENDSETTER LB	ALL	BOTH
*COMPREHENSIVE PHYSICAL AND BLOOD WORK AVAILABLE FROM PRIMARY PHYSICIAN WITHIN LAST 18 MONTHS
**SOME MEDICAL EXCEMPTIONS, SEE FULL NON-MED UNDERWRITING GUIDE FOR DETAILS.

Company	Ages	Amounts	Product	Rate Class	Online/Paper
Exam May Be Required
American General	0 -59	UP TO $1,000,000	TERM and GUL	ALL RATE CLASSES	ONLINE/PAPER ONLINE QUICK TICKET
American General	0 – 59	UP TO $2,000,000	IUL	ALL RATE CLASSES	ONLINE/PAPER BOTH
American National	0 – 65	UP TO $249,999	ALL	STANDARD & SUBSTANDARD	BOTH
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
Nationwide	18 – 50	UP TO $5,000,000	ALL EXCEPT SUL and CareMatters	ALL	BOTH
Nationwide	51-60	UP TO $1,000,000	ALL EXCEPT SUL and CareMatters	ALL	BOTH
National Life	18-50	UP TO $3,000,000	Flex Life, Peak Life, Total Secure, Basic Secure	All	BOTH
National Life	18-50	UP TO $2,000,000	Term	All	BOTH
National Life	51-60	UP TO $1,000,000	Flex Life, Peak Life, Total Secure, Basic Secure, Term	All	BOTH
National Life	61-65	UP TO $250,000	Flex Life, Peak Life, Total Secure, Basic Secure, Term	All	BOTH
North American	0 – 50*	UP TO $1,000,000	ALL SINGLE LIFE	STANDARD OR BETTER	ONLINE ONLY
Pacific Life	18 – 60	UP TO $2,000,000	PL Promise Term	SEE GUIDELINES »	ONLINE ONLY
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.