For VUL OptimizerSM and BrightLife® Grow ONLY, illustrated funding must reflect equivalent of target premium or greater in each of the first five policy years.
Applies to New Business only
Provide a fully completed application, including a Medical Information Questionnaire, and Equitable will use every non-invasive and no-touch medical/non-medical resource available to underwrite these cases.
Program features and benefits
Get your clients the coverage they need with a streamlined underwriting program eliminating the requirement for a paramedical exam or labs on qualifying cases.
Cases that qualify are automatically enrolled in the program; best fit is for healthy insureds.
VUL OptimizerSM and BrightLife® Grow qualifying cases are limited to best class of Standard Plus; COIL Institutional SeriesSM qualifying cases are limited to best class of Preferred.
The program is available in all states.
Qualifying cases are also eligible for LTCSR, DDP/DDW, CTR, CLR, CV Plus Rider, and SOI where
available and subject to underwriting.
A completed AXA Equitable or MLOA application and Medical Information Questionnaire (MIQ)**
Any other application supplement forms/questionnaires, where applicable
MIB, MVR and prescription check will be ordered by the home office
Additional non-invasive and no-touch medical and non-medical resources may be checked to support the underwriting review.
An APS will be required on all cases on clients over age 50 but may be required at younger ages or to assess a specific medical impairment.
Access eApp from equitable.com. This electronic tool allows you to complete our life insurance application and collect the required signatures from the applicant, insured, owner and producer.
Use electronic signature software, such as DocuSign, SignEasy or SignX, to upload the pdf format of licensing paperwork, applications, miscellaneous new business and underwriting forms, illustrations and delivery requirements. Designate the places where you’ll need your client’s signature, and send via DocuSign for their electronic signatures, then return to us for processing once received back from the signing parties.
View Equitable Digital Tools Notification: CLICK HERE
** While all qualifying submissions are eligible, digital submissions are encouraged to best comply with social- distancing recommendations
With NFG Brokerage, you no longer need to depend on a one size fits all approach. We work hard for you to create customized insurance strategies to help you deliver the most affective solutions to your clients. Your success is our success...don't delay!
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
The technical storage or access that is used exclusively for statistical purposes.The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.