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 be notified that the case is approved and we will proceed with the issue process.
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 (plan age) |
Face amount | Up to and including $2,000,000 for ages 18-50 or $1,000,000 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 | Term and permanent life insurance 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 U.S. Virgin Islands. *Midland National is not licensed in the state of New York. |
Additional or companion policies | Additional and/or companion policies are allowed. |
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 | Kidney Disease |
Anxiety/Attention Deficit Disorder (ADD) – any history of hospitalization; diagnosed within the past 6 months | Overweight or Underweight Build |
Asthma — moderate to severe; current smoker; or any history of hospitalization | Rheumatoid arthritis |
Atrial fibrillation | Seizure disorder
|
Cancer — any cancer except for basal cell and squamous cell skin cancer | Sleep apnea — diagnosed within the past 6 months; not well controlled |
Chronic Obstructive Pulmonary Disease (COPD), chronic bronchitis, or emphysema | Stroke or Mini-stroke (TIA) |
Crohn’s Disease | Ulcerative colitis |
Depression — moderate to severe; any history of hospitalization; or diagnosed within the past 12 months | Weight loss surgery in the past five years |
Diabetes | |
Emotional disorder — bipolar disorder; schizophrenia; any past suicide attempt |
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.
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.
FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
644MW-9a
FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
6-23