May 18, 2020

Underwriting Updates

New TIAA Form

Due to current circumstances, Legal & General America (LGA) has updated our Temporary Insurance Application and Agreement (TIAA) to include a COVID-19 question. The new application is available in all states except for Florida and New York (William Penn). We expect to communicate Florida's availability soon.

Effective immediately, please begin using the new TIAA forms, which can be found on the Partner Dashboard under the Forms tab. The life insurance application (LIA) and LIA package have been updated to remove the prior TIAA and the new package should be used with the same effective date as the TIAA.

Please discontinue the use of the old application and update any online postings. The old form will no longer be accepted as of June 1, 2020.

Download New TIAA Forms:

For CA, DE, ND, and SD please use form LIA-TIAA (4-20)
For all other states please use form ICC20-LIA-TIAA
No changes for FL or NY

Temporary Underwriting Guidelines: Exam and APS Substitutions

On April 8th LGA added temporary substitutions to help your clients in cases where getting an exam or APS is more difficult at this time. Since implementing these guidelines, more than 30 percent of requested substitutions have been successful. Ensuring that clients take action to connect to their medical provider's patient portal and HumanAPI is important in moving these cases through the process and determining if they can be substituted.

We’ve put together some guidance to help agents better understand how this process works. This includes an overview of the HumanAPI process and electronic health record gathering. Download the guidelines.

Digital Application – New Option for Link + Phone Interview

Starting tomorrow, the Partner Dashboard drop ticket process for digital applications will include the option for link + telephone interview versus an online link only. This change will allow the agent to select a date and time for our Call Center to reach out to the applicant if they haven’t completed their application online.

Since most applicants complete their application online within the first 3-4 days (they will receive text/email reminders on day 2 and 4), we’re asking that the soonest call date that an agent selects is five days in the future. For example, if the agent is submitting a digital application drop ticket on 5/18/2020, the call date should be 5/22/2020.

We will be updating the call scheduling option in the near future for the Partner Dashboard, iPipeline and other third party drop-ticket platforms.

Questions?
For questions regarding these updates, please contact the Sales Desk at 888.585.9198 or by email at salessupport@lgamerica.com.

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Legal & General America
3275 Bennett Creek Avenue
Frederick, MD 21704 | U.S.
888.585.9198