Underwriting Guideline Enhancements

New guidelines mean better underwriting offers for your clients

Securian Financial’s Guideline Enhancement Program, led by Dr. Marianne Cumming, was developed to deliver more consistent and overall better underwriting offers than ever before.

Through input provided from various audiences, the program focuses on making guideline enhancements that provide a meaningful impact for your clients. The most recent enhancements include:

• Gestational diabetes
  • Preferred Select available to ages 40 and older
  • Preferred available to all ages
• Cannabis (marijuana) use
  • Preferred and Preferred Select available under new occasional use (up to 3 times per month)
  • Preferred available for experimental or intermittent use (up to 12 times a month)
  • Tobacco rates apply to heavy inhalation cannabis use only.

In addition to gestational diabetes and cannabis, we expect to deliver additional guideline improvements throughout the year. Watch for more details in future communications.

To learn more about our criteria for top underwriting classes, view our guide below.