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Innovative Underwriting Requirement Changes
What requirements have improved?
Medical Exams
MD exams not required up to $10,000,000 and up to age 70
PM exams to be used instead
EKGs
Only required for age 41 – 50 at amounts $ 1,500,001+
Only required for ages 51 – 60 at amounts $1,000,001+
Exercise EKG’s eliminated up to $10,000,000
APS
APS will not be automatically required for ages 17-60 at up to $1,500,000
Inspections
For ages 18 – 60, traditional inspection limits have been increased from $1,000,001+ to $3,000,001+
In lieu of traditional inspections American National will obtain public database reports at $1,000,001+ and personal financial statements at $1,500,001+
For more information on current underwriting requirements, basic
underwriting information, underwriting strengths, and more, see
our Underwriting Guidelines brochure.
Download the Underwriting Guidelines Here
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