The WriteAway program is a process for underwriting for your healthiest clients and offered on all term and permanent life insurance 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.

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

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

Once the application is completed, the client will complete an electronic signature process and submit the application for review.

Midland National will use information from the Online Part 2 or 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.

Clients without major medical conditions, who meet certain height/weight requirements, and are classified as low risk, have the potential to qualify for WriteAway. Following submission of the application via ExactApp, all cases within eligible age and face amounts will receive an email with access to the Online Part 2 or a tele-interview request. The applicant will answer a series of questions about their lifestyle and medical history to determine their eligibility.

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.

The following impairments are not eligible for WriteAway. For questions pertaining to a specific impairment not listed, please contact your Midland National underwriting team.

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

Sammons Financial® 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.