New Sleep Apnea Underwriting Enhancement
Get fast offers for sleep apnea clients with new guidelines
Our Securian Financial Guideline Enhancement Program continues to focus on looking for new ways to bring you and your clients fast and competitive underwriting offers.
We recently made enhancements to our Obstructive Sleep Apnea (OSA) guidelines. Clients with OSA and treated hypertension can now be considered for better than Standard rates.
In addition, we’ve increased accelerated underwriting opportunities by accepting self-reported mild sleep apnea through our WriteFit Underwriting™ program.
Underwriting guideline enhancement program
Our Guideline Enhancement Program was developed to deliver fast, more consistent, and competitive underwriting offers.
2021 enhancements
Build Credits
- Build credit eligibility expanded to include ages 16-74
- Credits can result in a full rate class upgrade
- Use of medication to control other risk factors doesn’t eliminate applicants from qualifying
Cannabis (marijuana) use
- Preferred and Preferred Select available under new occasional use (up to 3 times per month)
- Preferred available for experimental or intermittent use (up to 12 times per month)
- Tobacco rates apply to heavy inhalation cannabis use only
Gestational Diabetes
- Preferred Select available to ages 40 and older
- Preferred available to all ages
Obstructive Sleep Apnea (OSA)
- Treated hypertension potentially eligible for better than Standard
- Potential for accelerated underwriting offers for self-reported mild sleep apnea
- Potential to skip APS (Attending Physician Statement) orders on better OSA risks
Psychological Disorders
- Attention-Deficit/Hyperactivity Disorder (ADHD), anxiety, and minor depressions categorized as low risk are now eligible for Preferred Select