Underwriting Changes Effective July 1

Paramed Exams are no longer required with Tele-App applications.  Examiners will still go out and take blood and urine samples as well as height, weight and blood pressure but the examiners will not ask medical questions.

Enhancements to Healthy Lifestyle Credits.  Clients with a favorable HLC score can not have flat extra ratings taken off of their policy with the HLC program when the flat extra is the only rating that applies.

Diabetes clients over age 70 with good A1C and no cardiovascular history and lifetime non-smoker can not apply for preferred rates.

Tobacco users must now be tobacco free for 24 months to be considered for preferred rates.  This is being changed from 12 months.  Clients who are tobacco free for 12 months will now be considered at super standard rates.

Principal we are increasing our capacity to $10 million on single life cases

Principal Automatic Standard Approval Program is designed to help eliminate low substandard ratings

Principal Healthy Lifestyle Credits What are Healthy Lifestyle Credits

Principal Association Marketing Success Story Learn how one producer developed a relationship with a healthcare association president which had dramatic results

Principal Enhanced Multi Life Business Underwriting Program Provides insurance solutions for your business clients’ executive and key employee groups

Principal Healthcare Provider Success Story Read how key person and other financial needs were resolved for a cardiology practice

Principal Key Person Underwriting Success Story See how need for coverage on an eye surgeon with cancer was handled in a competitive situation

Principal Special Needs Success Story A conversation with a client uncovered a need to provide for a special needs child at the parents’ death

Principal UL Protector Policy Review Success Story Read how an in-force coverage review helped a producer meet the client’s needs

Principal Sales Idea for Universal Life Protector IV Life Insurance as an Asset

Principal Universal Life Protector IV (2012 Rates)

Principal Sales Idea Universal Life Protector IV Special Needs Trust

Principal Universal Life Protector IV Fact Sheet

Principal Universal Life Protector IV Inheritance Equalization Sales Idea

Principal Universal Life Protector IV Key Person Protection Sales Idea

Principal Universal Life Protector IV Wealth Transfer Sales Idea

Principal Why Life Insurance