Underwriting Timeframe
How long are life insurance applications and underwriting requirements valid?
Applications
Applications are good for six months. A COI is needed if the application is more than 90 days old.
| Product | Issuing Company |
|---|---|
| American Protector Plus term life insurance | American United Life Insurance Company® (AUL) |
| Annuity Care® asset-based long-term care protection | The State Life Insurance Company® (State Life) |
| Asset Care® asset-based long-term care protection | State Life |
Time Limits
| Requirement | Valid Days | Valid Months |
|---|---|---|
| Application | 180 | 6 |
| Exam/LTC Exam | 365 | 12 |
| Exam (other company) | 365 | 12 |
| Blood/HOS | 365 | 12 |
| UW Offer | 60 | 2 |
| EKG | 365 | 12 |
| Interview | 120 | 4 |
Underwriting Decisions
Decisions stand for 60 days unless otherwise indicated.
Note
The underwriter reserves the right to order a new application or other requirements on a discretionary basis.