A Fluidless Underwriting Program Designed for Larger Cases

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The Fluidless Underwriting from United of Omaha is designed to allow qualified clients to bypass the initial paramed exam for larger face amounts. Applicants who have a complete annual or executive physical in the U.S. or U.S. territory, do not automatically need to complete a paramed exam.

  • For applications of $2,000,001 – $5,000,000, the existing exam on file should be within the last 18 months
  • For applications of $5,000,001 – $10,000,000, the existing exam on file should be within the last 12 months

This program applies to application submissions for the fully-underwritten product line, including:

  • Term Life Answers
  • AccumUL Answers
  • Income Advantage IUL
  • Life Protection IUL

Best of all —-it’s simple to request this underwriting program! Just clearly indicate on the application cover letter that you are requesting consideration for the Fluidless Underwriting Program and complete Application Part 2.

Read more about how you can apply this Underwriting program to your client’s life insurance applications. 

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