Medical Requirements and Guidelines

Below are links to the medical underwriting guidelines for each carrier. The requirements will be broken up by age and requested face amount which will help you prepare client expectations as the underwriting process gets started.

Available Files

Option: Hide Details

Life Insurance

Life Insurance           Products                Product Brochures                Policy Specs           Underwriting                Medical Requirements & Guidelines                Impairment Questionnaires                Carrier Specific Niche Impairment UW                Table Shave & Lifestyle Credit Programs                MetLife Rapid eUnderwriting                Jumbo Case Submission Tips           Sales                Wait & See Estate Planning Technique                Policy Review                Concentrated Stock Position                Quit Smoking Incentive                External Term Conversion           Linked Benefit Products (LTC)                Lincoln Financial MoneyGuard Reserve                John Hancock LifeCare                West Coast Life ExtendCare

Quit Smoking Incentive

AXA - Quit Smoking Incentive (Adobe PDF)

 

John Hancock - Quit Smoking Case Example (Adobe PDF)

 

John Hancock - Quit Smoking Incentive FAQ's (Adobe PDF)