AdminUpdate: AIG Lifts COVID-19 Related Underwriting Restrictions


In the wake of positive COVID-19 case trends, we are pleased to announce that, effective May 12, 2021, our temporary underwriting restrictions that have been in place since April 2020 will be lifted and our normal preCOVID-19 underwriting guidelines will be in effect. We will continue to require a current Statement of Health for all policy approvals. See the table below for details.

Within WinFlex, cases previously impacted by the COVID-19 restrictions can be illustrated but may still get warning messages. These COVID warning messages can be ignored. They will be removed as part of the next WinFlex release update.

We truly appreciate your partnership and patience through these challenging times. Our Sales, Underwriting and New Business teams are ready to review and process your cases, and help get your business back to normal as quickly as we can.

AIG Life US Underwriting Guidelines – Effective May 12, 2021










Find out more about these changes from AIG…

AdminUpdate: Global Atlantic Eases Majority of COVID Underwriting Restrictions


In September 2020, we announced temporary underwriting guidelines to address the risks associated with the COVID-19 pandemic. These changes were necessary to ensure that Global Atlantic’s underwriting philosophy and processes remain a strategic advantage in a rapidly changing environment.

We are pleased to announce the following updates to the temporary guidelines put in place in response to COVID-19:

  • Domestic Applications
    • Up to age 65, normal underwriting guidelines
    • Ages 66-75 Table 6 or better
    • Ages 76-79 Table 4 or better
    • Ages 80+ Postpone
  • High Net Worth Foreign National Program
    • Foreign National cases that meet Global Atlantic’s regular guidelines.
  • Foreign Travel
    • U.S. citizens or permanent U.S. residents traveling outside the U.S.
  • All Policies
    • Good Health Statement when underwriting evidence is greater than 60 days old or standard risk class.

Global Atlantic will continue to employ a prudent underwriting approach for cases at higher risk to Covid19 based on age and medical condition.

Additional Considerations

The world recently marked the one-year anniversary of the COVID-19 pandemic. With the extraordinary efforts now being undertaken to provide COVID-19 vaccinations, questions may surface regarding how COVID-19 vaccines may impact a client’s life insurance policy or their ability to qualify for an insurance policy.

Accordia Life insurance applications do not include any questions regarding COVID-19 vaccination. To the extent an applicant voluntarily discloses such information during the application process, this information would not be taken into consideration in determining the applicant’s eligibility for coverage or underwriting classification.

Find out more about these changes from Global Atlantic…

AdminUpdate: Securian Eases COVID-based Underwriting Restrictions


Changes to COVID-19 participation guidelines

Securian Financial remains focused on delivering high levels of service, helping customers with their insurance needs and maintaining the company’s financial strength. Your support in delivering on this focus has provided valuable insights to best navigate the unpredictable nature of a pandemic while addressing the additional risks it presents.

Since these participation limits were implemented one year ago, our promise has been to actively review these guidelines. Along the way, we have delivered on a request for transparency to enable you to make the best decisions for your clients. While not yet at the final stage in our journey, we are taking another step forward and remain committed to an intentional and disciplined path to easing all restrictions.

We are pleased to announce the following changes to the temporary COVID-19 participation guidelines effective April 1, 2021:

  • Expanding the issuance of single life applicants at the following ages:
    • Insurance ages 61–75, allow table B (150%) or better
    • Insurance ages 51–60, allow table D (200%) or better
  • Expanding the issuance of joint life applicants to allow up to table B (150%) for the better rated insured.

Our Write Fit expansion to $3,000,000 for applicants ages 18-50 will continue.

All other participation guidelines, including money not being accepted with new applications and temporary insurance agreements not being available, continue until June 30, 2021.

Find out more about these changes from Securian Financial…

Case Success: Relaxation of COVID Restrictions Unlocks Declined Case

Most cases that go from decline to standard result from significant new information or the client taking steps to rehabilitate their medical condition in some way. In the COVID era, however, it can be much simpler. Read on to find out how a case went from decline to standard based solely on the carrier’s revision of COVID-related underwriting restrictions.


Underwriting: Evolution of COVID Underwriting Guidelines
Product: Symetra’s Accumulator IUL
Target Premium: $54,428


  • A 63-year-old male was seeking $1MM of IUL coverage for estate planning purposes.
  • The economics of the case required the insured receiving a Standard offer to achieve the premium tolerance.
  • Case was submitted formally to Symetra in late March/Early April, resulting in a decline based on the client’s build and history of pulmonary nodules, both co-morbid conditions relative to COVID.


  • AIN Member Underwriting Services
  • Symetra’s normalization of some COVID-related underwriting restrictions


  • The AIN Member reviewed the case after a call from the AIN Underwriting Team encouraging the agency to look at past COVID guideline related declines.
  • Upon review of the file, AIN Underwriting quickly zeroed in on the fact that the build COVID restrictions had been eased by Symetra since the initial declination.
  • In addition, there was a follow-up scan on the clients pulmonary nodules which would satisfy the stability requirement.
  • At AIN’s suggestion and re-packaging of the case by AIN Underwriting, the Member Firm resubmitted the case to Symetra.
  • Symetra was able to offer at Standard rates needed to meet the clients premium tolerance and move the case to issue and placement.
  • The team effort resulted in $54K of target premium placed with Symetra

AdminUpdate: Zurich enhances IR requirements and COVID-positive waiting period


At Zurich, we take your feedback seriously and make changes wherever possible. I want to share two recent improvements we have made to our underwriting guidelines thanks to your partnership and feedback.

Traditional Inspection Reports: I am pleased to announce that we no longer require traditional inspection reports up to age 70. This requirement has been replaced with an electronic inspection report.

COVID Guideline Update for COVID positive insureds: For COVID positive insureds who were not hospitalized, we have reduced the waiting period from 60 days to 30 days from the recovery date. Additionally, our underwriting programs, including our foreign national program, are still in effect as well.

Please continue to share your ideas with us, and wherever possible, we will consider updating our programs. We appreciate your continued partnership. If we can assist or answer additional questions, please do not hesitate to reach out to our team.

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