Updated Temporary Underwriting Guidelines in response to COVID-19
Last year, Legal & General America implemented temporary underwriting guideline changes due to the COVID-19 pandemic. Our team has been closely monitoring the COVID-19 impact and while the situation remains fluid, we’re continuing to take positive actions to help more families and businesses get the coverage they need. As COVID-19 data evolves, we have revised our temporary guidelines to provide more opportunities for cases to be underwritten, approved and issued. See a summary of the underwriting guideline changes below.
New Age* and Risk Profile Postponement Parameters
Full consideration based on pre-COVID underwriting guidelines for ages 20 - 70. We will continue to postpone ages 71 and over with a tentative rating exceeding Table 2 AND the risk profile includes any of the referenced underlying chronic conditions.
*Age is defined as age nearest birthday
COVID-19 Disease Cases Remains Unchanged
Postponed for at least 30 days after full recovery. Reconsideration parameters will depend on the severity of the disease and current health status.
Reconsideration Process
If you would like us to reconsider a previous case that was postponed due to our COVID Temporary Underwriting Guidelines, you may now send for reconsideration.
Any case that was previously postponed for COVID may have also been postponed due to other medical information. Upon review, we will communicate if we will accept your applicant for reconsideration and what additional evidence may be required. Any case postponed within the last 10 months can be reopened by your underwriter. Additional medical requirements may be required after re-review.
For additional transparency, we've included a list of situations and medical impairments (admitted or discovered) that are declined or postponed to help assist you with your field underwriting. See the list including full details of changes below. The advisor COVID-19 Response page has been updated.
