Underwriting Improvements

Aiming for Excellence

We are modifying our underwriting requirements for Ameritas FLX Living Benefits Term and Index Universal Life to make the process easier for you and your clients.

Fewer personal history interviews (PHI), EKGs and inspection reports (IR) will be required, which means less hassle for your clients. Underwriters will obtain more of the information they need from more behind-the-scenes, data-driven sources. One such report is a credit based mortality score. You’ll hear more about the use of this information in the underwriting process in the future.

In addition to the above changes that help make underwriting easier for clients, the following changes will help make our offers more competitive:

• Raising the threshold on the total cholesterol parameters
• Loosening family history criteria for our best rated class
• Relaxing cigar smoking guidelines for non tobacco preferred class
• Allowing scuba diving up to 50 feet for our best rated classes

The current Underwriting Guide is here and reflects the above improvements as well as more information on Ameritas FLX Living Benefits Index UL riders. We have more improvements planned for later this year and will always have the most up to date Underwriting Guide posted on Producer Workbench for you to reference.

If you have questions about the new Underwriting guidelines call Ameritas at 800-390-2361 (press 1 for FLX products).

This information is provided by Ameritas^®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to: Ameritas Life Insurance Corp., 5900 O Street, Lincoln, Nebraska 68510; Ameritas Life Insurance Corp. of New York, (licensed in New York) 1350 Broadway, Suite 2201, New York, New York 10018; and Ameritas Investment Corp, member FINRA/SIPC. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas^®, ameritas.com.

Ameritas^® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life^® is a registered service mark of Ameritas Holding Company.

© 2018 Ameritas Mutual Holding Company

For producer use only. Not for use with clients.