Important Underwriting Reminders

Now more than ever, it’s important that your clients are adequately covered with life insurance. At Americo, we’re committed to providing the products and services needed to help protect your clients and their loved ones. As you partner with us to provide this valuable coverage, please keep in mind the below underwriting reminders.

Health Questions

When completing an application for any product, it is critically important that you ask every health question. Failing to do so is a disservice to your clients, as it leaves them vulnerable to contestability in the claims process. Be sure your client understands the questions and answers them truthfully, so you don’t leave them without the valuable coverage they need. 

Product Eligibility

If your client is declined for one of our simplified issue products, they will not be eligible for any of the other products in the portfolio. For example, if your client applies for Term 125 and is declined, they will also be declined for Term 100, CBO 100 and 50, Payment Protector, Continuation, Payment Protector Continuation, and Eagle Premier.