Last week, we brought you tips on taking your agency online so you can work - and thrive - in these unsettling times. This week, we have a list of carriers with accelerated underwriting programs to help get your clients covered without the need for a medical exam.
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Last updated: June 1, 2023.
With so much uncertainty about the economy and the spread of COVID-19, taking action feels good. And it feels even better to take action from the comfort of our own homes, without exposing ourselves or our loved ones to additional risk. That's why now is the perfect time for non-med policies.
While full medical underwriting is still a possibility, there may be delays in administering the exam, as well as processing the results and completing the underwriting process. Plus, if you have clients who are nervous about letting someone into their house, non-med policies solve that problem for everyone. Not only are they faster to apply for, but they're faster for the carriers to process - and everyone can stay safely quarantined during the process. That's a win/win.
What You Should Know about Non-Med Carrier Options
Keep in mind that not all of the carriers listed below are 100% no-exam, but they're a great place to start. Non-med policies also have a few limitations - face amounts are often lower, and issue ages may be limited. An underwriter will still review your client's application and, based on their answers, may request further information from their doctor or ask for an exam to be completed at a later time. However, if your client meets program guidelines and is relatively healthy, there's a good chance their app will sail through.
That's good news for us, because we're fully remote, fully staffed, and ready to process your business. We offer several eApplication processing options, all available within Insureio:
- Our ATeam (they're the best - seriously)
- iGo
- ApplicInt
- Carrier-based processes
We may be biased, but we highly recommend our ATeam's concierge-level application fulfillment service. They've been doing remote interviews and helping clients sign their apps over the phone for more than 15 years! Of course, you can still use iGO, ApplicInt, or carrier-direct processes if you prefer.
Need help with non-med products?
We're here to help! Give us a call at 800-823-4852 and ask to speak to a brokerage manager, or drop a comment below and we'll have a brokerage manager reach out to you.
Now, without further ado, here's a handy list of non-med carrier programs. For more detail on most of these programs, see this spreadsheet.
Non-Med Carrier Options
| Carrier | Program | Face Amount | Age |
|---|---|---|---|
 |
Fast Lane Accelerated UW | Up to $1 million | 18-50 (up to 55, $500k; up to 60, $250k) |
 |
Accelerate UW Program | Up to $3 million | 18-60 |
 |
Xpress Plus | Up to $1 million (51-60, up to $500k) | 18-60 |
 |
Accelerated UW | Up to $500k | 0-85 (61-85 up to $100k) |
 |
Rapid Review Accelerated UW | Up to & including $1 million | 18-50 |
 |
Agile Underwriting | Up to & including $2M | 18-59 |
 |
Easy Underwriting | Up to & including $2 million | 18-60 |
 |
Real-Time Term | Up to $500k | 16-70 |
 |
Rapidecision Life & Express | Up to $1 million | 18-65 |
 |
Non-Medical UW & Accelerated UW | Up to $1 million | 18-55 |
 |
Simplified Underwriting | Up to $300k | 25-70 |
 |
Fast Lane Program | Up to $1 million (51-55, up to $500k; 56-60, up to $250k) | 18-60 |
 |
ExpressTrack | Up to $3 million | 18-60 |
 |
APPcelerate | Up to $2 million | 20-50 (41-45, up to $750k; 46-50, up to $500k) |
 |
LincXpress (not in NY) | Up to $2.5 million | 18-60 |
 |
Fluidless Eligible Underwriting Program (all term & individual whole life) | Up to and including $1 million | 17-50 |
 |
EZ Underwriting | Up to $1 million | Age 18-60 |
 |
Intelligent Underwriting | Any w/in product guidelines - up to $5 million | Any w/in product guidelines - 18-50 (51-60, up to $1 million) |
 |
Write Away | Up to $2 million | Age 18-50 (51-60 up to $500k) |
 |
Pacific Accelerated Life+ (PAL+) | Up to $3M in PL Promise Term 10, 15, 20, 25, or 30-year level premium periods | Age 18-60; up to 70 if physical w/labs in last 12 mos. |
 |
ACE | Up to $5 million | Age 20-65 |
 |
Accelerated Underwriting (business cases only) | Up to $5 million | 18-60 (18-40, up to $3M; 41-60, up to $2.5M, VUL only ages 20-60, up to $5M) |
 |
Protective Life Underwriting Solution | Up to $1 million | 18-60 (46-60 up to $500k) |
 |
PruFast Track | Up to $3 million | 18-60 |
 |
Whole Life & IUL | Up to $1 million | 16-65 |
 |
AcceleRate | Up to $1,000,000 (as of August 14, 2023) | 18-50 |
 |
WriteFit | Up to $3 million | 18-60 (51-60, up to $1 million) |
 |
SMLXpress Underwriting | Up to $1 million | 18-60 |
 |
Accelerated Underwriting Program (permanent products only - for term, see Swift Term below) | Up to $3 million | 18-60 (51-60, up to $2 million) |
|
Swift Term | Up to $3 million | 20-60 |
 |
Available for Trendsetter Super Series & LB, Financial Foundation IUL & Lifetime | Up to $2 million | 18-70* |
 |
Accelerated Underwriting | Up to $2 million | 18-60 |
Need help with non-med products?
We're here to help! Give us a call at 800-823-4852 and ask to speak to a brokerage manager, or drop a comment below and we'll have a brokerage manager reach out to you.
That's our quick look at non-med carrier options!
Which of these is your go-to? Or do you know of a carrier we need to add to the list? Tell us in the comments!
