Accelerated Underwriting for Life Insurance

Why WriteAway?

The WriteAway program is a process for underwriting for your healthiest clients and available on all life insurance products 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

Simple online application

Reduced not in good order
(NIGO) applications

Faster underwriting –
and faster decisions

Full commissions + quicker processing =
get paid faster!

Here's how it works.

How it works

Designed for a phone interview process, the application process for WriteAway is different than it is for traditional underwriting. Step‑by‑step, here’s how it works:

Step: 1


You will complete the application using Midland National’s electronic application feature, ExactApp®, which will include a few prequalification questions to determine if your client is eligible for WriteAway.

If the client meets all of the requirements listed in the “Who is Eligible?” section (ExactApp, age, face, plan), they will be eligible for the WriteAway process.

Look for Next Steps for the WriteAway process in ExactApp if the application qualifies.

Step: 2

Online Application

The next step is to start the online application. Clients will receive an email with a unique link that will provide access to their online application.

The client can complete the online application anywhere there is an internet connection, including the comfort and privacy of their own home. To gain entry to the online application, the client will need to verify their identity with their legal first and last name, date of birth, and social security number.

The application contains a series of lifestyle and health questions to help determine if the client qualifies for WriteAway accelerated underwriting or if traditional underwriting is needed.

Step: 3

No labs needed

You will be notified that the case is approved and you can deliver the policy.

Labs needed

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

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

Preparing the Client

After submitting the application through ExactApp, help your clients know what they can expect throughout the WriteAway process. Part of the online application includes questions about your client’s 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 receive an email with a link to complete the online application. A PC or tablet is recommended.
  • Your client will need to have the following information available to complete the 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

Find out if your client is eligible.

Who is eligible?

Midland National will use information from the phone interview, 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 $1,000,000 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
  • Premier Term 10-30 year
  • Essential Guaranteed Universal Life
  • XL-CV Max Indexed Universal Life
  • XL-EC5 Indexed Universal Life
  • XL-DB4 Indexed Universal Life
Application format ExactApp® application only
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.
Approved states WriteAway is available in all states and territories* EXCEPT California, Guam, Mariana Islands, Puerto Rico, British Virgin Islands, and Virgin Islands.

*Midland National is not licensed in the state of New York.
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. Agents will ask a few preliminary questions through an electronic application to determine if clients are eligible to begin the WriteAway process. If clients meet all requirements, they will receive an email on how to proceed with the online process and answer a series of questions about their lifestyle and medical history.

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

You will be notified through the Pending Business report available from 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.

View the impairments that would disqualify your client from WriteAway.

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 High Blood Pressure diagnosed in the past 6 months
Anxiety/Attention Deficit Disorder (ADD) – any history of hospitalization; diagnosed within the past 6 months High cholesterol diagnosed in the past 3 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

Bankruptcy filed in the past 5 years 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 conviction in the past 10 years  

Take a look at the Build Chart for WriteAway.

Build Criteria

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

Contact us to learn more!

Midland National Underwriting

Term: Toll free phone:
Premier Term 833-240-8662
Select Red Team 877-526-1482
Select Green Team 877-526-1523
Select Blue Team 877-526-1522
Underwriter of the Day 833-240-8661

Midland National Sales Support

Phone: 800-843-3316 ext. 32150


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Indexed Universal Life Insurance products are not an investment in the "market" or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance.

Premier Term (policy form series T142), Essential Guaranteed Universal Life (policy form series L138), XLCV Max IUL (policy form series L147), XL-DB4 IUL (policy form series L143), XL-EC5 IUL (policy form series L144 and L144W with the Waiver of Surrender Charge), are issued by Midland National Life Insurance Company, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products, features, endorsements, riders or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply.