EZ Underwriting Program

For Indexed Universal Life, Term Series, TotalSecure WL, and BasicSecure Fixed UL

Potential to accelerate cases through underwriting without an exam or fluids, if certain criteria are met.

Who Qualifies?

Applicants applying for the following face amounts:

Substandard rate classes are also available. See the Product Guides for full details. Note: This is not guaranteed issue.

What do I need to do?

Complete the full application (including medical portion) with your client. If all the necessary criteria are met; the case will be approved immediately. If additional requirements are needed the agent will be contacted by the underwriter. For permanent policies between $2 million and $3 million, medical records may need to be obtained. Reminder: a 1392 [Financial Questionnaire] is required for Face amounts greater than $5 million.

Draft Next Available

Most Common Payment Option

  • Best for customers who need immediate coverage and those who want conditional coverage.
  • Once the policy is issued, payment will be deducted from the customer’s bank account the following day.
  • If the recurring draft date is not ideal for the customer, they can change their draft date.
  • Example in the Calendar:
  • Policy ready to issue on an effective date of the 20th
  • Policy issued with an effective date of the 20th
  • Initial premium drafts and are applied on the 21st
  • Recurring drafts are on the 20th of each month
  • Commissions generate in the cycle that includes the 21st

Put Business in Your Pocket with the NLG Agent Mobile App

The National Life Client App gives them direct access to their policy.

Learn More

Training

Weekly webinars to support your product and sales concept knowledge, professional development and business growth.

National Life Group® is a trade name of National Life Insurance Company (NLIC), Montpelier, VT, Life Insurance Company of the Southwest (LSW), Addison, TX and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York.

FOR AGENT USE ONLY – NOT FOR USE WITH THE PUBLIC

TC142389(0624)1 | Cat No 107171(0624)