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Underwriting Guide

Prioritizing Underwriting Carriers

Quote **Corebridge** just to be safe …

Corebridge SIWL (up to Age 80)

    Corebridge SIWL (up to Age 80)

    • Ideal for ≤ 80 yrs & small coverages
    • Direct Express / Debit card — *full advance*
    • Accepts **Diabetes + Neuropathy** & **COPD**
    • Lenient on non-serious Stage 1 cancers
    • **Signature** – text / email code

    Americo Select 1 (up to Age 85)

    • Cheapest carrier for **smokers**
    • Client must be *fairly healthy*
    • **Signature** – text / email code

    American Amicable Senior Choice (up to Age 85)

    • ⚠️ Commission drops after age 80
    • Lenient underwriting (google the physician)
    • **Signature** – text / email code

    Ethos Advantage Whole Life (up to Age 85)

    • Very lenient underwriting
    • **Signature** – text / email code

    Americo Select 2 (up to Age 85)

    • Cheapest for **smokers** w/ heart meds/issues
    • Last resort before Ethos & GIWL
    • **Signature** – text / email code

    Corebridge GIWL (up to Age 80)

    • Accepts Direct Express – full advance
    • Guaranteed acceptance
    • **Signature** – text / email code

    Clients Above Age 80

    • **Aetna** (to 89) – healthy 80 +
    • **Americo Select 1** (to 85) – smokers
    • **Ethos Advantage WL**
    • **American Amicable Senior Choice**

    Leaving a Legacy & Mortgage Protection

    • Acceptable: Diabetes (metformin only, not < 50), HBP, Cholesterol, Thyroid
    • 🚫 No heart attacks / strokes / COPD / cancer

    Americo IUL (to Age 75)

    • Coverage **$50 k – $450 k**
    • **Signature** – text / email code

    Mutual of Omaha IULE (to Age 75)

    • Min $25 k; max by age → 300 k (50 y) / 250 k (55 y) / 150 k (65 y+)
    • **Signature** – text / email code

    If Declines: Pivot to Term

    Explained Ratings

    • “Guaranteed”, “ROP”, “Graded”, “Modified” = **two-year waiting period**
    • If client dies naturally in 1st 2 yrs → refund premiums + 10 % interest
    • Pays 30–50 % less commission & costs ~40 % more than Preferred / Standard