Enhanced Juvenile Guidelines Lead to Competitive Underwriting

At Securian Financial, we actively review underwriting guidelines to ensure we’re delivering consistent and overall improved underwriting offers. Our most recent update relates to our juvenile guidelines:

• We will now consider up to $250,000 of coverage on juveniles without our usual 50 percent restriction of parental coverage*
• We’ve extended our consideration for grandparent gifting scenarios
• Expanded underwriter guidance for juvenile build considerations, resulting in fewer attending physician statements (APSs)

Our robust experience and competitive guidelines also can support your larger and more complex family trust planning juvenile cases. As a tip, we encourage a cover letter for your cases that exceed $1,000,000 of death benefit. For instances like this, work with your underwriter as they can help with specific scenarios.

Providing excellent service is top of mind for us, and hopefully you feel that too. With this new development, we hope to lessen some of the burden and make the best impact for you, your clients and their loved ones.