Aries insurance services, a division of URL.
Life Markets

On 5/1, three enhancements to underwriting requirements took place.  These enhancements will help bring our requirements to be more competitive in the market place.

Updated Age and Amount Guidelines To better align with industry standards:

  • Paramed exam, labs, and EKG will be valid for up to 12 months for insureds up to age 70 who are approved standard or better. For insureds age 71 or older or for those who are approved substandard, the paramed exam and labs will be valid for 6 months and the EKG will be valid for 12 months
  • For amounts up to $10 million, the Natriuretic Peptide blood test (NT-ProBNP) will replace the Electrocardiogram (EKG)
  • Treadmill stress test will be replaced with an EKG and the NT-ProBNP blood test
  • The NT-ProBNP blood test will also be completed on proposed insureds age 71 or older for all face amounts and all proposed insureds applying for more than $10 million
  • For ages 0-64, the requirement for an inspection report will be raised from $3 million to $5 million
  • MD exam is being replaced with a paramed exam
  • The senior supplement will be required at age 71 instead of age 70
  • 3rd party verification of financials1 will be required for all insured's applying for more than $10 million
  • Examiner’s report portion of the paramed exam is no longer necessary, which increases the number of facilities available to collect medical underwriting requirements.
  • Introducing Supplemental Health Questionnaires To reduce the number of Attending Physician Statements (APSs), Pacific Life is introducing new supplemental health questionnaires for certain conditions, including mental health disorders, asthma, high blood pressure, gestational diabetes, heart murmur, and sleep apnea.

Below links For Updated Underwriting Enhancements for Pacific Life Broad Market:

Bulletin - Enhancements to Pacific Life’s Underwriting Requirements (Scheduled to send 4/29 morning; resend to non-opens on 5/1)

Underwriting Guidelines Brochure [Digital] 15-45388 (includes functionality – tabs that jumplink to pages)

Underwriting Guidelines Brochure [Print] 15-45387 (printable/booklet orderable through marketing orders desk)

Supplemental Health Questionnaires FAQ Flyer 15-49305 NEW

What Happens Next - PL Express App for PL Promise Brochure 15-45253