Agent Alert: 61% Fewer Medical Exams With Xpress Underwriting

As of 12/1/2021 American National made additional improvements to its popular Xpress accelerated underwriting program that applies to all life insurance applications for ages 0–65 and face amounts $100,000 to $249,999.

These improvements are expected to increase the number of applications that are approved without a medical exam or APS requirement by 61%!

Improvement details now effective:

• The Risk Classifier is no longer a part of the determination on whether a medical exam is needed. The need for a medical exam will now be based on the answers to the application, MIB and prescription history report.
• The Risk Classifier will now be incorporated into the determination of the rate class.

No changes were made to Xpress Underwriting for face amounts under $100,000 or to Xpress Plus for face amounts $250,000 and over.

You can read more details about Xpress and all of our underwriting guidelines for all ages and face amounts at our website.