Satisfy your need for speed
with our distinctive IUL
Have a case like the below? We’ll process it faster with non-medical underwriting.
• No physical exam
• No lab tests
• No attending physician statement (APS)
• No Paramed
If amount applied for on this application plus any coverage issued within the last 12 months is equal to, or greater than $500,000, this new application for coverage will not be eligible for non-medical underwriting review. This new application for coverage will be reviewed through full underwriting at the applied-for amount.
Our underwriting team renders a decision based on the submitted applications, declarations of Part A and B,supplementary forms, and result of various database searches. Substandard classes available through Table E. Note Table A and B are included in the standard rate class. Table C, D, E are included in the Table D rate class.
Foreign travel to most countries for 57 days or more annually (where foreign travel UW allowed by state law).
Spouse/Other Insured Term rider not available on non-medically underwritten policies.
Applicant does not have the option to choose to go through full underwriting unless we first find that they are ineligible for non-medical underwriting.
Policies issued by: American General Life Insurance Company (AGL), Houston, TX. Policy Form Number: ICC15-15646; Rider Form Numbers: ICC15-15600, ICC13-13601, ICC14-14012, ICC16-16420, 88390, ICC14-14002, 14306, 07620, ICC15-15997, ICC15-15996, ICC15-15271, ICC15-15274, ICC15-15273, ICC18-18276, except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life), Policy Form Number: 15646N; Rider Form Numbers: 17600N, 13601N, 14012N, 16420N, 14002N, 07620N, 15996N, 15274N, 15272N. Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features including rates may vary by state. Please refer to your policy.
This information is general in nature, may be subject to change, and does not constitute legal, tax or accounting advice from any company, its employees, financial professionals or other representatives. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant.
FOR FINANCIAL PROFESSIONAL USE ONLY- NOT FOR PUBLIC DISTRIBUTION
© AIG 2018. All rights reserved.
faster submission for faster commission
What makes non-medical
•Proposed insured does not have an
ineligible condition as outlined by our
Non-medical UW guidelines
Start running with the speed you need to accelerate your IUL business today!
Eligible Proposed Insured:
“Non-Medical Underwriting” or “Non-Med” as described in this document, means that no in-person paramedical examination will be required of a life insurance applicant.
•Face amounts $50,000-$499,999
Non-medical underwriting on
• Easy processing with fewer requirements
• Same great product - no changes to
compensation or features
• Available for online processing with
AG QuickTicket –
•Up to Preferred Plus underwriting
Questions? Call: 1-800-677-3311
If we are unable to make an underwriting decision based on the Non-Medical Underwriting process, proposed insured will have the option to move to a fully underwritten process; which could include an in-person paramedical examination with blood and urine samples.
Non-medical underwriting makes the purchase process simpler for your client, faster for us to support and easier for you to complete.