Starting Feb. 12th! Lab Lift Exam Substitution for Digital Applications
A simple online application with built-in accelerated underwriting, plus a new path for exam substitutions means less hassle, fewer labs — and more families protected.
Step 1
Accelerated underwriting within the digital application is evaluated first.
We’ll check to see if the applicant can be approved exam and lab-free up front. This happens in real-time during the application process and eligibility is determined by age, sex, face amount, and health factors for each applicant.
NEW! Simplified and improved accelerated UW eligibility:
Males + Females, ages 20-50
Up to $1 million, any term duration
Healthy females up to age 55 may qualify for up to $250k
Typically, applicants tracking Standard Plus or better can qualify.
LEARN MORE –>
Step 2
If not qualified for exam-free, we look at eligibility for the Lab Lift program.
Based on date of last blood work and physician information collected within the digital application process, we’ll determine if an attending physician statement (APS) can be used as a substitute for a paramedical exam and fluids — by pulling medical data and lab results from recent physician visits. All rate classes, including Sub-standard, are eligible for the program.
Digital Lab Lift eligibility highlights:
Eligibility requirements are the same for both paper and digital applications with the exception of the cover sheet, which is only needed with paper apps.
- Ages 20-60 with a physician visit and blood work in last 18 months
- Eligibility is determined by date of last physician visit and blood work
- Up to $2 million in coverage with no new exams or blood work!
Please visit our new accelerated underwriting page. You’ll find more information and supporting materials around accelerated underwriting within the digital application and Lab Lift (both digital and paper options).