Accelerated underwriting for life insurance

WriteAway in California

The WriteAway program is a process for underwriting for your healthiest clients and available on most term and permanent products available through ExactApp.® We use information provided from an online application and publicly available data for the opportunity to eliminate a paramedical exam and labs using the same pricing as traditional underwriting with no additional policy fees.

Less Invasive — opportunity for no labs or exams

Simple online application process

Reduced not in good order (NIGO) applications

Faster Underwriting—and faster decisions

Full commissions + quicker processing = get paid faster

How it works

The application process for WriteAway is different than it is for traditional underwriting. Step‑by‑step, here’s how it works:
Step 1: Discussion

You will complete the application using Midland National's electronic application feature, ExactApp.® If your client meets age and face amount criteria, you will seamlessly proceed to the part 2 medical application within ExactApp.

  • ExactApp is the only method for qualifying for the WriteAway process. Paper applications will require traditional underwriting.
  • When submitting via ExactApp, look for Next Steps for the WriteAway process if the client qualifies.
Step 2: Notifications
No labs needed

You will be notified that the case is approved and we will proceed with the issue process.

Labs needed

You will be notified and the case will automatically proceed through the traditional underwriting process. If additional requirements are needed, the administrative office will schedule an appointment to have the client’s blood pressure, pulse, physical measurements, and labs taken.


Once a decision is made, notification will be made through your Pending Business report.

Preparing the client

Before beginning the application, have your client gather the following details of their lifestyle and medical history.
  • Advise the client that they may be eligible for this program, which will not require labs or paramedical exam, but they will be contacted by a paramedical company if it’s determined they are needed.
  • Your client will need to have the following information available to complete the part 2 medical history application:
    • Details of any past or current illnesses, injuries or conditions
    • Details of past and current use of tobacco
    • Details of parents’ and siblings’ medical history
    • Any prescriptions they are currently using or have used in the past two years
    • Name, address, and phone number of current licensed medical professional and all other physicians seen in the past five years
  • Please see below for critical information needed to determine eligibility on commonly seen impairments.
  • To complete the electronic signature process, your client will need to provide a form of identification and go through an SMS text verification.

Who is eligible?

Midland National will use information from the application, MIB data, prescription reports, and a variety of publicly available data to make the underwriting decision. The publicly available data includes financial and credit information (not credit scores), court records, property records, and a motor vehicle report. This data will be used to determine if your client is eligible for the opportunity to eliminate a paramedical exam and labs.


The databases used are Fair Credit Reporting Act (FCRA) compliant and all information received from them is disclosable to the proposed insured. The insured may work directly with those companies to resolve any question they may have about their records.
Issue ages Ages 18 – 60
Face amount Up to and including $2,000,000 for ages 18-50 or $500,000 for ages 51-60, placed in force or applied for in the past two years.
Build Within the recommended guidelines. WriteAway uses the same build chart as traditional underwriting.
Products available WriteAway is available for all of Midland National's term, universal life, and indexed universal life insurance products.
No major medical and non-medical impairments See the impairment charts below for eligibility
Underwriting classes Standard (Tobacco and Non-Tobacco users), Preferred (Tobacco and Non-Tobacco users), and Preferred Plus. Flat extras may be allowed for avocations and aviation only.
Internal replacements Internal replacement or exchanges are not eligible through this process.
Additional or companion policies Additional and/or companion policies are allowed if total line is within face amount guidelines.

How is it determined who is eligible?

Clients without major medical conditions, who meet certain height/weight requirements, and are classified as low risk, have the potential to qualify for WriteAway. Clients that meet the age and face amount criteria will have the opportunity to complete the part 2 medical application within the ExactApp® application. Once the application is completed, the underwriting team will review and determine eligibility. Please refer to the table below for common conditions that are not eligible for WriteAway.

How will I know if my client is required to submit labs?

You will be notified through the Pending Business report available from midlandnational.com if your client is required to submit labs. The abbreviated paramed and/or lab work will be handled and ordered by the Midland National underwriting team.

Impairment chart

The following impairments are not eligible for WriteAway. For questions pertaining to a specific impairment not listed, please contact your Midland National underwriting team.
AIDS or HIV positive Heart disease including any heart surgery, heart attack, or angina
Alcohol or drug abuse and/or treatment Hepatitis B or C
Aneurysm Anxiety/Attention Deficit Disorder (ADD) – any history of hospitalization; diagnosed within the past 6 months
Asthma — moderate to severe; current smoker; or any history of hospitalization Kidney disease
Atrial fibrillation Overweight or Underweight Build
Cancer — any cancer except for basal cell and squamous cell skin cancer Rheumatoid arthritis
Chronic Obstructive Pulmonary Disease (COPD), chronic bronchitis, or emphysema Seizure disorder
  • Grand mal within 7 years
  • Petit mal within 2 years
Crohn’s Disease Sleep apnea — diagnosed within the past 6 months; not well controlled
Depression — moderate to severe; any history of hospitalization; or diagnosed within the past 12 months Stroke or Mini-stroke (TIA)
Diabetes Ulcerative colitis
Emotional disorder — bipolar disorder; schizophrenia; any past suicide attempt Weight loss surgery in the past five years

Non-medical impairments

Life insurance that was declined, postponed, or charged an extra premium in the past 5 years DUI or reckless driving in the past 5 years
Visa holder (temporary or permanent)* Felony charges in the past 10 years

*Select Visa Holders may be eligible based on individual consideration. Please contact Underwriting to determine your client's potential eligibility.

Build criteria

Applicants outside the minimum and maximum standard build criteria listed in the traditional underwriting guide are not eligible for WriteAway underwriting.

Commonly seen eligible impairments

Eligibility will be based on individual consideration for the following medical conditions to be approved on an accelerated basis. The following details will ensure the underwriting team has the information needed to determine eligibility.
High blood pressure and high cholesterol
  • Date of diagnosis
  • Type of treatment and any medications used
  • Details to any medication changes within the past 6 months
 Sleep Apnea
  • Date of diagnosis
  • Type of treatment
    • If using CPAP, BiPAP, or dental appliance, provide number of days used
  • Date of most recent sleep study and results
Depression and anxiety
  • Date of diagnosis
  • Type of treatment and any medications
  • In the past 12 months:
    • Medication changes
    • Details to any missed school or work
    • Any suicidal ideation
  • Details to any hospitalizations in the past 5 years
 Hypothyroid
  • Date of diagnosis
  • Type of treatment and any medications used
  • In the past 12 months, details and results to any testing done
Asthma
  • Date of diagnosis
  • Type of treatment and any medications used
  • In the past 12 months:
    • Medication changes
    • Number of asthma attacks and/or flare ups
    • Details to any hospitalizations
  

Contact us to learn more!

Midland National Underwriting

Premier Team: 833-240-8662
888-583-8859

Select Blue Team: 877-526-1522

Select Red Team: 877-526-1482

UW Hotline: 833-240-8661

Midland National Sales Support

Phone: 800-843-3316, Option 2

Email: salessupport@life.midlandnational.com

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Sammons FinancialSM is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.


FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

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FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

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