3 Additional Paths to Expedited Underwriting at Symetra

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  1. Symetra Swift Protector PIUL.  With the same submission process as our wildly successful PIUL Swift Protector allows you to place permanent business within a matter of minutes or days for qualified applicants.  SwiftProtector is a low cost Protection IUL with strong guarantees and internal cash values.  Moreover, applicants can choose to add our indemnity style Chronic Care advantage rider.  The Chronic Care rider allows clients to draw down 2% or 4% of their death benefit to cover long term care needs (internal charges are waived at the time of claim).  SwiftProtector is designed for ages 20-60 with face amounts up to $3millon dollars.  Check it out! 
SwiftProtector
  1. Symetra’s Accelerated Underwriting Program.  We have the ability to fully underwrite cases on the Accumulation IUL and Protection IUL without the need for a paramedical exam or APS on qualified applicants.  With the submission of a full application (all health questions answered) we are able to run MIB, MVR, Rx, checks and provide a solid offer without additional requirements (we don’t do telephone interviews).  Cases in good order may be completed in about a week.  Please make sure to fill out the entire application and DON’T send in labs or APS documents.  We are able to consider up to $3million of coverage on applicants up to age 50 and $2million of coverage on applicants ages 51-60.  I have attached a video explaining the process below
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  1. Symetra’s Guaranteed Issue Multilife Platform.  Symetra is able to consider guaranteed issue cases on group cases of 10 lives or more.  Our Multilife program is really an underwriting concession on health status and the client is able to access our top tier Ascent AIUL.  The Ascent offers 6 uncapped index strategies and is a strong performer in the accumulation space.  We also have the ability to use the Surrender Value Enhancement Rider on designs (only a one time $500 charge to the client) allowing for high early cash values to protect the investment of business owners (perfect in Section 162/Split Dollar plans).  Multilife participants also receive access to our built in Chronic Illness Indemnity rider and agents are fully compensated on the full Ascent AIUL target premium (2 year rolling). 
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In closing Symetra can do speed, but we also excel in large and complex cases.  Your Midwest Team is here to assist on estate planning designs, premium financing cases, and High Net Worth Foreign National scenarios.