Global Atlantic – COVID-19 Underwriting Update


In September 2020, Global Atlantic announced temporary underwriting guidelines to address the risks associated with the COVID-19 pandemic. These changes were necessary to ensure that Global Atlantic’s underwriting philosophy and processes remain a strategic advantage in a rapidly changing environment.

Global Atlantic announce the following updates to the temporary guidelines put in place in response to COVID-19:

Current Underwriting Guidelines
September 1, 2020
Applications will be accepted
Effective April 30, 20211
Domestic Applications Postpone applications up to age 69 with rating higher than Table D/4.

Individuals ages 70-79, standard or better only, up to $10 million.

Up to age 65, normal underwriting guidelines
Ages 66-75 Table 6 or better
Ages 76-79 Table 4 or better
Ages 80+ Postpone
High Net Worth
Foreign National
Foreign National cases that meet Global Atlantic’s regular
guidelines with age 70+ standard or better only, up to $10 million.
Foreign National cases that meet Global
Atlantic’s regular guidelines.
Foreign Travel U.S. citizens or permanent U.S. residents traveling outside the U.S. U.S. citizens or permanent U.S. residents traveling outside the U.S.
All policies Good Health Statement will be required at policy delivery
attesting that there has been no change to the insured’s health.
Good Health Statement when underwriting evidence
is greater than 60 days old or standard risk class.
Global Atlantic will continue to employ a prudent underwriting approach for cases at higher risk to Covid19 based on age and medical condition.


The world recently marked the one-year anniversary of the COVID-19 pandemic. With the extraordinary efforts now being undertaken to provide COVID-19 vaccinations, questions may surface regarding how COVID-19 vaccines may impact a client’s life insurance policy or their ability to qualify for an insurance policy.

Accordia Life insurance applications do not include any questions regarding COVID-19 vaccination. To the extent an applicant voluntarily discloses such information during the application process, this information would not be taken into consideration in determining the applicant’s eligibility for coverage or underwriting classification.

Accordia Life insurance policies do not contain any exclusions for COVID-19 or COVID-19 vaccination.

Claims on Accordia Life insurance policies continue to be processed according to its standard claim practices and procedures.


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