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