Revised COVID-19 Underwriting Guidelines Effective 03/15/21
Effective March 15, 2021, Lafayette Life Insurance Company, will remove all COVID-19 underwriting restrictions for most* applicants who have received a complete FDA-authorized COVID-19 vaccine regimen. Applicants must provide evidence of the vaccination and be at least 2 weeks post-completion of their full vaccination.
Evidence of Vaccination
Most patients receive a vaccination card documenting their completed vaccination. We will accept copies of this card as evidence. Legible cell phone photos of the completed vaccination card will also be accepted. Evidence found in medical records or electronic medical records may also be accepted.
- Producers are encouraged to proactively provide copies of vaccination records when submitting an application.
- If a copy is not provided, we will request evidence if vaccination would improve our underwriting decision. Applicants who do not submit evidence of vaccination with the application will be considered unvaccinated for the purpose of underwriting requirement determination.
*Exceptions to the Vaccination Rule
COVID-19 related restrictions will continue to apply for applicants age 81 or older, applicants age 71-80 rated Table E or higher, and certain high-risk immunocompromised individuals of all ages, including but not limited to insureds with the following histories:
- Sickle-cell disease and other hemoglobinopathies
- Chronic renal failure
- Nephrotic syndrome
- Hematological malignancy such as leukemia, Hodgkin lymphoma, non-Hodgkin lymphoma, multiple myeloma, etc.
- Certain immunosuppression therapies
- Bone marrow and/or stem cell transplant
- Other high-risk immunocompromised conditions as may be determined at the company’s discretion
Thank you again for your valued partnership and for the business you entrust to Lafayette Life.