Updated Psych Guidelines Lead to Quick and Competitive Underwriting

At Securian Financial, mental wellness is important and that’s why this month’s topic, underwriting applicants with mental health conditions, is handled with the utmost sensitivity and care.

When reviewing, our intention is to fairly assess all factors related to an applicant’s mental health and any other health history. And our new guidelines include the introduction of credits for individuals with high-functioning mental health condition(s).

With this update, clients can expect:

• Competitive underwriting offers for mild and moderate ADHD, anxiety and depression histories that are well controlled and stable. And the potential qualification for up to Preferred-Select
• Improved underwriting offers for individuals with long-term stable and controlled bipolar disorder
• Increased cases qualifying for acceleration (WriteFit^™ Underwriting*)
• Reduction of Attending Physician Statement (APS) requests
• Reduced turnaround times

Please note: The above does not apply to the SecureCare™ product line.

Through our new psych guidelines, we want to champion a holistic approach to help bring you and your clients the best solutions while delivering competitiveness and fast underwriting decisions.

To learn more about our underwriting programs, visit our website.