Field Underwriting

Working together to find convenient coverage for your clients

Simplified Issue Underwriting

No medical examinations, tests or fluid collection will be required from your client during the application process.

  • Remembrance Life
  • Safe Harbor Term Life Express

Non-Medical Basis Underwriting

No medical examinations required. In certain circumstances, we may request an Attending Physician’s Statement (APS).

  • Safe Harbor Term Life

We offers a wide range of life insurance products with a fast, simple underwriting process. Remembrance Life and Safe Harbor Term Life Express are underwritten on a simplified issue basis. There are no medical examinations, tests or fluid collection. Safe Harbor Term Life is underwritten on a non-medical basis and no paramedical exam is required. In certain circumstances, an Attending Physician’s Statement (APS) may be requested.

We underwrite based on the underlying cause of an impairment. We will seek to understand the cause of the condition in order to make an underwriting assessment on the case. Your client should respond to all questions in the application with full, true and complete answers. We will validate all information provided against third-party sources.

Learn more by reviewing the specific agent guide for each product.