Underwriting Hot Topic: Updated Guidelines in 3 Key Areas

Competitive guidelines mean better underwriting offers for your clients 

Securian Financial’s Guideline Enhancement program was developed to deliver more consistent and overall better underwriting offers than ever before.

The program focuses on making guideline enhancements that provide a meaningful impact for your clients. Three of the most recent enhancements include: 

1. Gestational diabetes

• Preferred Select available for ages 40 and older
• Preferred available for all ages

2. Obstructive Sleep Apnea (OSA)

• Clients with OSA and treated hypertension can be considered for better than Standard rates
• Accepting self-reported mild sleep apnea through our WriteFit Underwriting^™ program

3. Build credits

• Build credit eligibility is expanded to include ages 16-74 and can result in a full-rate class upgrade
• Use of medication to control other risk factors doesn’t eliminate applicants from qualifying

Check out our mortality credits program to learn about other enhancements and areas for improved underwriting decisions.