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
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.
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.
You will be notified that the case is approved and you can deliver the policy.
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, measurements, and labs taken.
Once a decision is made, notification will be made through your Pending Business report.
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 | Most term and permanent products available through ExactApp |
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 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. |
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
|
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 |
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 |
*Select Visa Holders may be eligible based on individual consideration. Please contact Underwriting to determine your client's potential eligibility.
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
Phone: 800-843-3316, Option 2
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.
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644MW-9a
FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
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