Get up to Speed with Our Improved PLUS Accelerated Program
Have you heard the news? We made some updates to our underwriting guidelines and requirements.
Here are some of the improvements we made:
PLUS — accelerated program throughput
We made some adjustments to our Protective Life Underwriting Solution (PLUS) program to help more cases qualify for fluidless underwriting; improving outcomes for more cases at Preferred rates.
Family history
Our Select Preferred underwriting criteria will no longer factor in whether a client’s parent or sibling had an incidence of cancer, heart disease or cardiac condition prior to age 60 — only whether they died prior to age 60. This means more clients with a family history of cancer or heart disease will qualify for Best Class.
Dual manual approach for build
We discontinued our internal build chart in favor of using the best result achieved from our two reinsurance manuals (Hannover Re & Swiss Re). Credits can be applied in some cases with other favorable risk factors.
Senior build
We implemented minor adjustments to Select Preferred and Preferred build cutoffs for applicants aged 71 and up.